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

In accordance with the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. States, A consumer reporting agency can not furnish an account without the written instructions and consent of the consumer ( myself ). 

EXPERIAN and XXXX has furnished my credit file with inaccurate information and accounts. I have try to resolve this matter several times by disputes with each bureau. Each dispute comes back as UPDATED and is a violation of my rights by law. 
If each bureau is furnishing different information the that very information is deemed invalid. This information and inaccuracies clearly violate the laws of the Fair Credit Reporting Act. Which information is correct? By what measures? I deserve the right to an account credit file. Please remove and delete this inaccurate account and information immediately.
Product: Debt collection

Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS 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 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

I am unable to log in to my nelnet account. I have not been provided any reasonable means to reset my password or otherwise gain access. I have contacted a customer service representative and they refused to provide me the ability to gain login access to my own account. I can not receive my tax information from them. I can not change payment terms. I can not access or update my information. I have been given no ability to access my own account. They justify this by saying they don't have an updated email from me, but we have been in email communications so they clearly do. This is unacceptable.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to get a loan for a car on XX/XX/XXXX and the car dealership told me that I owe XXXX $ to a furniture company in California. They also told me that there are multiple accounts open in other states, also " Admin Recovery , LLC '' a debt collection agency in XXXX XXXX, New York keeps calling me and family members in trying to collect money for furniture I didn't buy in California. I fear my identity is being taken and this is effecting my credit score and I can't buy anything at the moment.
Product: Credit reporting

XXXX is reporting to the XXXX consumer reporting agencies an acct that should be closed because XXXX brought out my contract with XXXX. XXXX was also supposed to have paid the remainder of my bill with XXXX as part of their XXXX promo. I am no longer a XXXX customer so why are they reporting this account as open. I no longer have any XXXX phones. This account should closed and off of my credit reports.
Product: Credit reporting or other personal consumer reports

In XXXX I noticed an auto loan showing up on my credit report from XXXX XXXX XXXX, I have never applied for an XXXX loan with XXXX and it was showing as a charge off account. I filed an FTC report immediately on XXXX and sent a copy to all the major credit bureaus and a copy to the original creditor. It was removed from my credit report until it showed up again in late XXXX. I once again filed a FTC report and sent it to the credit reporting agencies. I contacted XXXX directly by mail and phone calls, they have not provided me with any proof of this loan belonging to me nor any documentation that I applied for the loan or signed for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been unwilling to correct this and remove the XXXX day late from my credit reports. I am writing to you in regards to a payment that was made on my account on XX/XX/2022. I paid the minimum due via my mobile App but somehow there was a shortfall of XXXX that was carried over to XXXX and this caused my account to be delinquent. Now because of this ; my account has been reported XXXX days late to each of the three Credit Reporting agencies. It wasnt until XXXX when I was contacted via the Credit reports that I knew there was a problem. I would have happily taken care of this much earlier had someone brought it to my attention.
Product: Credit reporting or other personal consumer reports

This morning at XXXX on XXXX I received an alert for a hard inquiry from XXXX XXXX XXXX XXXX notified me and I contacted transition to create a dispute. 

I dont know the full name of the company so I cant reach out to them directly. However I do not recognize this company or why they would submit an inquiry on my credit.
Product: Debt collection

Hello .... I'm writing you in accordance to FCRA 15USC 1681i ( a ) ( 6 ) ( b ) iii.

..I would to know how the process in which the debt was verified... Thank you
Product: Mortgage

I received a letter from SLS dated XX/XX/2016 that said I might qualify for a HAMP modification. I filled out the HAMP application packet included with the letter, and faxed it back to SLS on XX/XX/2016. Shortly after that, I called SLS to confirm that they had received my application. I spoke to an SLS representative and she confirmed they had received my application and she gave me a rough estimate of future modified payments. She did not tell me that I needed to send anything additional. Now SLS has scheduled a foreclosure sale on XX/XX/2016. I never got any answer from SLS about my modification, and they never communicated with me about anything else I needed to do. Not only is this not fair, but it will make me and my family homeless including my children who grew up here.
Product: Credit reporting, credit repair services, or other personal consumer reports

My US Dept of Education and Fed loan all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported that the information concerning reporting by XXXX ACCOUNTS on my experian report is incorrect and not a valid debt. XXXX and XXXX have corrected it but Experian continues to use an automated method to verify, instead of conduction a proper verification method with this abusive collection agency.
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 confidentially under 15 USC 1681.

15 U.S.C 1681 Section 604 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 then seven years. 

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

Experian did not respond via CFPB but instead sent a personal email regarding the dispute and did not properly investigate or validate my dispute rightfully according to the law and according to FCRA rights. Additionally, the XXXX move out letter includes the concession charge back fee as the Early Termination fee, which is clearly stated as {$1300.00}. There is no mention of a concession charge back fee due at a later date. Therefore, the full amount was paid in full. See Attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Bank # 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 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, SYNCB add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached US Bank just added this last year.
Product: Vehicle loan or lease

In XX/XX/2021 i asked my lease company for a deferment they granted it said once I pay them {$360.00} the two payments i couldnt make would go to the end of the lease. On XX/XX/2021 i made the {$360.00} payment over the phone with a representative to start the deferment & Ive been up to date since even pay extra sometimes. I get a default letter in the mail I call XXXX XXXX XXXX they state i never made the {$360.00} payment I then brought up the bank statement told exact date & payment she then found it & stated the representative accidentally made the payment towards a month payment instead of the deferment so when i made my next monthly payment it went to the deferment & not my monthly payment causing me to be behind & report to my credit that i wasnt making on time payments they apologized & assured me they would fix the payments & take the negative credit report away now as Im typing this this is my second time on hold today for over an hour. They wont take my calls or call me back to fix the situation
Product: Debt collection

MSCB Inc flagged my XXXX credit report after submitting an affidavit stating that I had no idea what this bill was because no one ever sent me a bill therefore I have no knowledge of this bill. I have previously been a victim of identity theft and also have a family member with the exact same name and month/year of birth as myself. Also, these collection agencies purchase these accounts for pennies on a dollar hoping to get paid the full amount. It also again HIPPA violations for hospitals or medical providers to provide any information concerning patients due to charged-off bills but again I have no knowledge of the bill because I was never contacted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX Amount {$38000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$9300.00} XXXX XXXX XXXX XXXX Account XXXX XXXX Amount {$25000.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$3900.00} Equifax deemed these accounts as accurate, WHEN THEY ARE indeed INACCURATE they did not properly investigate these accounts during my disputes nor did they provide any evidence of a thorough investigation per my request. 
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 neccessary proof of investigation.
Product: Debt collection

Please see complaint XXXX. As my actual complaint was not read by Navient, I'm not sure what to do. Nowhere in that complaint did I claim not to be responsible for the debt. My complaint was that the debt has already been paid. Despite this, Navient has -erroneously reported it on my credit -called incessantly in a harassing manner attempting to collect debt not owed -Ignored evidence presented to them that the debt was paid -Now, wasted more of my time and energy by not even bothering to read and address the previous complaint.
Product: Credit card or prepaid card

I opened up a XXXX XXXX credit card, financed by Comenity Bank in XXXX of 2020. 
The intent was to purchase furnishings for my new home. I purchased a bedroom set with the card in XXXX, and XXXXXX/XX/XXXX charged my card for the full amount, however I never received the goods. It took me 4 months to get a credit back to my account for goods that I never received. A XX/XX/XXXX telemarketer input false information about my account, stating that I received the bedroom set, and the headboard was damaged and I was waiting on a replacement- this was all fabricated lies. I never received ANY furniture from XXXX XX/XX/XXXX. After numerous phone calls and wait times and hold times to be transferred to supervisors - I finally got a supervisor who apologized to me and promised me a XXXX XX/XX/XXXX gift card on XX/XX/XXXX for all of the problems I experienced. So I tried again to order another bedroom set. This time the order was to be arriving in one month- but by end of XXXX the representative told me the order would not get to me until XXXX. Again I tried to cancel this second order- and was put on hold - ( on XX/XX/XXXX ) and Supervisor was very rude- said I can not get the credit back and when I asked about the Gift Card- She said I was not getting anything - I asked but 'what about all the problems I have had and the fact that the Customer is always right ' / and the Supervisor replied back ' Not in Your Case '!! After being verbally abused by XX/XX/XXXXteleworkers- I decided to pay off my balance and close my account- This account was paid off to zero on XX/XX/2020. 
So yesterday- XXXX XXXX I get a bill - from pottery barn for XXXX they decided to charge me several late fees - from just one months time- and they actually duplicate these fees on a closed account- when I called yesterday at XXXX the supervisor said she cant reimburse me the XXXX because the account is closed?? She told me the payment I made was one day late- so I got charged these fees. This is absolutely ludicrous and fraudulent and price-gauging!!!! I just want my account back toXX/XX/XXXX- I never ever ever want to deal with XX/XX/XXXX or Comenity bank ever again. - As a matter of fact, I received a customer service call from XX/XX/XXXX one week after I closed the account and I told her why I closed it. She said she was sorry to hear about my experiences- so this is how they take care of customers- by adding on another bill of false late fee charges -
Product: Debt collection

Receiving a vague voicemail from the this phone number twice threatening that if I dont take action, they will take it to the next level. 

They are claiming to be from Direct Recovery Services. 

I have not received any formal letter on this matter and have my suspicions.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

XXXX XXXX XXXX XXXX charged off my auto loan after they told me that I could voluntarily surrender my automobile in 2015 and I wouldn't owe anything but the three months late payments. They have continued to harass me about paying the outstanding loan of the car after several years of disputes about the amount being incorrect. I did pay a company a XXXX dollars toward the outstanding amount for the three months of late payments but now, this new company NCB Management was sold my file and it seems illegal that XXXX XXXX XXXX charged off my debt and received compensation by way of taxes, and now, according to the fair credit reporting act are required to drop this from my credit report. I also noted that NCB Management Services sent me their notification from an address associated with an address as part of an FTC lawsuit XXXX. The address on the mailer is XXXX XXXX XXXX XXXX NY and I suspect they are trying to illegally apprehend money from me that they are not entitled to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

my fed loan servicing account have always been in good standing because Ive had it on either burden forbearance or deferment since I finished school while I am attempting to find employment yet in 2016 prior to the deferment expiring I submitted and called and was assured fed loan received my renewal for debt burden forbearance/deferment but months later I noticed my credit report shows I was late in 2016 XXXX, XXXX and XXXX which I wasnt Ive never made a payment yet Ive always kept my account in good standing by filing the necessary documents to keep it in deferment Ive tried several time to fix this directly with the creditor FED LOAN SERVICING. My account says it all years Ill kept it in good standing with either burden forbearance or deferment theres no reason for me to let it go in bad standing especially if Ive never made a payment which thats the only reason someone account will become in bad standing logically not for not submitting free documents to keep account in good standing I WOULD LIKE THESE LATE PAYMENTS WHICH WERE REPORTED TO THE CREDIT BUREAUS DELETED AND CORRECTED AS NEVER LATE BECAUSE ITS THE TRUTH
Product: Credit reporting or other personal consumer reports

Car loan account which was paid in full and closed is still reporting inaccurately as included in chapter XXXX bankruptcy, I have submitted the paid-off letter to the credit bureaus which came back as verified.