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

XXXX account is reflecting a balance and charge off status again after I previously disputed it and it was previously corrected. Original delinquency date was in XXXX if I even believe this account belongs to me ( which I dont because I have disputed that as well but XXXX has failed to provide me with any documentation in re to that dispute just that this is certified as mine! - no promissory note or anything and I have no records of this loan ), It was included in chapter XXXX bankruptcy in XXXX, it was discharged in XXXX, and has a XXXX  balance. This account does NOT meet any criteria for exception from bankruptcy discharge and it was discharged in XXXX in my bankruptcy. I have attached the documentation again from the bankruptcy trustee supporting this - the amount of the loan is included in the amount that was discharged in the trustee 's account record because this was classified as a non-priority private loan that was above the cost of attendance ( Not a student loan per bankruptcy law ). And again, this has already been disputed multiple times and previously investigated. See attached previous dispute resolution and please update account again to included in bankruptcy with XXXX  balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX on experian credit report. It had been removed as fraud from XXXX and XXXX. Experian refused to remove it and my family suffered HUGE consequences. I settled with XXXX for XXXX and removal as during the pandemic I don't have 2 years and u can't get a court date so I was forced to pay under duress. Now experian is reporting the settlement as a payment and not a settlement nor have they closed they account. They reported I still owe XXXX on it and that was not the agreement. I shouldn't have had to pay the XXXX. It was only on 1 report for over 2 years. The way they abuse us is XXXX!
Product: Student loan

My repayment schedule that was provided by Navient does not match what is actually being withdrawn from my account. They are withdrawing more and I keep asking them why, and they say it was because of the forebearance that I had done a couple of years ago is now catching up. But I have been paying on time and hasnt missed a payment for 3+ years now, even making more payments than the usual, and I 'm still not ahead based on their repayment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 facts ( XXXX report show different account name and balance ; Experian report show different account name, balance and closed ). 
Experian and XXXX have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my Experian and XXXX credit report. Experian has a different account number and different account balance as shown here ( DISPUTED ACCOUNT XXXX XXXX XXXXXXXX {$18000.00} Account XXXX Closed ) while XXXX reported something totally different as show here ( XXXX XXXX Account Number XXXX XXXX Reported Balance {$18000.00} ). 
For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX XXXX of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the Experian and XXXX to correct their mistake. 

I have attached Experian and XXXX reports to show the discrepancies.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. 

XXXX XXXX {$660.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX {$43.00} XXXXXXXX  XXXX {$310.00} XXXX XXXX {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

contact company about incorrect information on report and company refuses to take information off
Product: Credit reporting or other personal consumer reports

I tried to temporarily lift a freeze that I have on my credit report due to job searching. 
I tried doing it online but I never received the 6 digit code they were to send me. I tried this severl times. When that did not work I called twice and was instructed to go to the web site which was not working for me. I tried to get a representative but was told that none were available. They make it so difficult, I had no problem with the other bureaus. Experian is just antiquated and their web-site just don't work. I hope the delay in this temporay freeze lift does not have a negative impact in regards to the job that I am trying to get.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$150.00} with XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have disputed these fruadenlent accounts on my Equifax credit report for sometime now i have sent a police report and fruad addvadvit to Equifax in XX/XX/XXXX and XX/XX/XXXX please remove thank you XXXX XXXX The fraud accounts on Equifax Credit Report : XXXX XXXX Account # XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering this debt with XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes, attaching FTC identity theft report to credit reporting agencies, and the creditor will not remove the fraudulent account. Also the CRAs tell me that there is nothing they can do besides follow the creditor response. 

Creditor : comenity bank/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.XXXX is a consumer reporting agencies and I am the Consumer. I have to make sure I have the rights to privacy of my information, also that my private info is not given/shared with anyone or any private corporation, ( " 15 USC 6801 '' ) Which states that, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. ( 15 USC 1681 ) section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions of the consumer to whom it relates. the financial institution and the Consumer reporting agencies ( XXXX XXXX XXXX and XXXX, Transunion, XXXX ) do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked .15 USC 6802 ( b ) ( c ) states that '' A financial institution may not disclose non public personal information to an on affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. Never informed me of my right to exercise my non disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 dates report by more than seven years. " This account is an adverse item they are reporting without my permission at all, and against the law knowing it is. 15 U.S.Code 1681s 2 ( A ) ( 1 ) A states '' A persons hall 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 not correct. 15 U.S. Code 1681 estates '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title to limit the furnishing of consumer reports to the purposes listed under section XXXX ( b ) of this title.Transunion, XXXX, and XXXX Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services. DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, UT XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You [ XXXX XXXXXXXX ] replied that the alleged transaction you furnished as late was { XXXX verified } but my previous dispute did not ask you for accuracy or validation. 
I the year and months of { XXXX, XXXX, XXXX and XXXX, XXXX, XXXX } you furnished to { XXXX, Transunion, } put the CRA that is reporting the late payment } an alleged transaction as Late. 
XXXX5 U.S. Code 1666b - Timing of payments ( 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.

I requested the information that must have or possess by law in order for you to furnish a payment as late.

This is being request pursuant rule 1002.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true, and in doing this the conditions required by 15 USC 1666b must be met.

You failed to provide the required requested information, you failed to proceed in accordance with the requires for a creditor to treat a payment as late. Please provide the certified mail tracking for these letters It has been over 30 days and you have not properly verify the information.

Id. at 1303 ; see also Blacks Law Dictionary ( 11th ed. 2019 ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

Importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified.

Hinkle, 827 F.3d at 1304. So, for example, if a furnisher is unable to verify that a consumer missed a payment, then it may be appropriate for the furnisher to delete any mentions of the missed payment while continuing to report other information about the account. 
Delete the information you are furnishing to the Consumer Reporting Agencies as late from account : [ XXXX ] Your Name _________________________________ Without Recourse UCC 1-308
Product: Credit reporting or other personal consumer reports

n 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. ( USC 91-508 ) I told the XXXX Transunion, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. states i have a 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 instruction. 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 REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE
Product: Debt collection

My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against CITIBANK N.A. for committing identity theft. I have never given CITIBANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from CITIBANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If CITIBANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from XXXX XXXX XXXX XXXX United States XXXX XXXX. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CITIBANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CITIBANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and CITIBANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting 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 XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : US DEPT ED Account Number XXXX XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX has violated my rights XXXX Or list of inquiries 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

XXXX XXXX XXXX has a collection on my report that the original creditors seems to be XXXX XXXX XXXX. This account I believe was recently deleted from my credit file and XXXX have been sold to XXXXXXXX XXXX XXXXXXXX. Anyhow Ive never had a XXXX card with XXXX XXXX XXXX  or XXXX XXXX XXXXXXXX. For Ive been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX Equifax dropped customers credit score by 40 points. The reason given was no change in status. Please have someone look into this I have called the company with no results. I have spoken to 10 other people who credit scores range in the XXXX 's and are now in the XXXX 's. And there was no change in their status as to why that occurred other than from time to time we change our algorithms. 
Totally unacceptable. We are maintaining a good payment history and we are being penalized for no reason. Please look into this.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : DPT EDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Student loan

For as user-friendly and intuitive as Navient pretends to be, they are anything but when it comes to comparing your previous account balances and 'simple daily interest ' calculation. The only information shared in the account history section, is the amount of money being paid monthly. There 's nothing that shows the previous balance, making it unbelievably annoying and frustrating to compare how your monthly payment is impacting your current principal balance. A simple section that shows your monthly principal balance is extremely helpful so one can consider and adjust his/her monthly budget in consideration of a student loan payment. 
I work extremely hard to make {$1000.00} payments on time each month. When I log into the my account the following month, my monthly payment has hardly made a dent in the principal balance. With our current system, it is nearly impossible to payoff a high student loan with a monthly interest rate of 6.875 %. This is not the American Dream I was always told to work for.