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

I dispute the inaccurate reporting status on my XXXX XXXX account, which is negatively affecting my credit profile. The account in question is currently listed as " Payment after charge off/collection Settled - less than full balance. '' I wish to bring to your attention that this matter has already been settled, and as a result, the payment status should not indicate " In Collections '' or " Charge-off. '' I kindly request that you promptly investigate this issue and update the reporting status to reflect the accurate account status. The inaccuracies in the current reporting status are misleading and are having a significantly adverse impact on my creditworthiness. I want to emphasize that the account in question has already been resolved through a settlement agreement. As per the Fair Credit Reporting Act ( FCRA ), it is crucial for the information reported to be fair, accurate, and up-to-date. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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. In light of this legal requirement, I kindly request that you take the necessary steps to rectify the inaccuracies in the reporting of my XXXX XXXX account. Please update the status to accurately reflect that the account has been settled and is no longer in collections or charged off. I really do appreciate your attention to this matter and look forward to a timely resolution. Thank you for your prompt action in resolving this dispute.
Product: Student loan

My school loans were transferred to Mohela. I was at XXXX payments towards PSLF. My Mohela account SHOWED that my payments were at XXXX payments. I submitted an employment certification update from my current employer ( XXXX XXXX XXXX ), as I try to do every year or so to keep my payments updated. Instead of adding payments, Mohela TOOK AWAY payments and set be back at XXXX payments. I contacted them XX/XX/23 to resolve the issue. Thier tracker is still sitting at XXXX payments and they have not contacted This has me insanely concerned, since I was so close to pay off. They have all of my certifications on file and I completed the temporary PSLF application back with my previous provider ( however I had applied and been tracking PSLF my entire career ). 

Thank you
Product: Money transfer, virtual currency, or money service

I have money available in PayPal but will not allow me to transfer fund to my bank account from PayPal.
Product: Checking or savings account

XXXX XXXX a charge listed under the XXXX retailer was made on my debit card for {$440.00} which wasnt made by me in fact I reached out to the retailer and was told it wasnt their actual company who the purchase was even made from. I disputed through my debit card services which is Albert and was denied and told that they had documentation of why it was denied and I never received it. The charge was not made by me I requested a new card to be sent out and wasnt given a credit back to my account
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.


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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
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 has violated my rights. 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: Debt collection

Jefferson Capital I will not pay this account, you are here by ordered to { cease and desist } any and all communications with everyone or companies but my self in writing only .No communications to anyone about any and all debt you state you have against me. THIS IS A OFFICAL NOTICE I never gave you any permission to publicize my personal information to anyone or company credit reporting companies no one
Product: Debt collection

My divorce was just recently final and I was in a very toxic, XXXX marriage. I had zero control of bills, emails or anything of importance. After I escaped and filed for divorce I started getting letters in the mail from all different credit card companies. Here to find out these were open Freudianly from my ex husband and he had all the statements coming paperless. My attorney has filed contempt charges and fraud charges are reported also. The 3 credit reports are attached that show all these credit cards in my name and they were not opened nor used by me. This is causing a major problem as I am receiving calls non stop and even to my employer. Can you please help with this?
Product: Debt collection

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to XXXX U.S. XXXX XXXX ( 6 ) XXXX XXXX are legally obligated to adhere to XXXX U.S. XXXX XXXX ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect info on my reports 1.XXXX XXXX XXXX XXXXt 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma shows on my phone app that on XXXX credit bureau I am deceased and all of my accounts are closed and Consumer is deceased. Please have credit karma reinstate all my XXXX accounts are open and being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is obligated by the FCRA to report accurate accounting, Consumer has advised that ALL inquiries reported was fraud. Said company has 4 days according to the Law to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is NOT asking for an e-oscar report, if EQUIFAX does not have documentation to show these were in fact authorized, it must be removed as soon as possible. SAID company is liable under the SEC to follow certain rules. EQUIFAX XXXX XXXX number XXXX : XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX I wiill be filing form 211 Treasury omb firms to audit consumer account. EQUIFAX us securitizing consumers data yett refuse to provide consumer with a copy of their CONSUMER file but instead provide a Consumer Report/ Credit Report.
Product: Credit card

I paid my credit bill on time, actually early. Citibank up 'd the minumum charge for {$25.00} to {$35.00} without notification. I called XX/XX/XXXX and the fee was reversed just to be re added XX/XX/XXXX. I paid {$35.00} XX/XX/XXXX prior to the due date in which then called me daily for weeks they had just increased the min pay to {$40.00} and decreased my credit limit so now the account is over the limit. They also added without my concent some protection service that I did not want and yep, added that to the over limit
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request correction of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian regarding the following discrepancies, and as of today, I have not received any response or resolution. I am providing details of the discrepancies along with the necessary corrections : Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$340000.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$620.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$450.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$610.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$240.00} Inaccuracy : This account was never late. Please update my credit report accordingly. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$480.00} Inaccuracy : This account does not belong to me. Please remove it from my credit report. 


Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$500.00} Inaccuracy : This account does not belong to me. Please remove it from my credit report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$120.00} Original Creditor : XXXX XXXX XXXX XXXX Inaccuracy : This account does not belong to me. Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$9300.00} Inaccuracy : This account does not belong to me. Please remove it from my credit report.
Product: Mortgage

" SPServicing Regarding : XXXX XXXX Date : XXXX XXXX Account # is XXXX '' " To whom it concerns : I would like to request an audit on my mortgage account. I was informed when you assumed my mortgage loan in XXXX of XXXX my payments will remain the same. Your letter, dated XX/XX/year> Notice of Servicing Transfer states nothing will change on my mortgage account. 
I believe there may have been discrepancies in the payment terms that were communicated to me. It is important for me to understand the details of my mortgage agreement and ensure that everything is in order. '' " I spoke with XXXX XXXX XXXX, and they informed me of no changes. My yearly payment is {$3900.00}. '' " I spoke with XXXX XXXX regarding my taxes, and they also informed me of no changes. My yearly payment is {$7000.00} '' " On XXXX  statement dated XX/XX/year> YTD for Insurance was paid in full for 2024. 
On the same statement, taxes have been paid up to {$3500.00}. With an additional 4 months for the year, {$900.00} was still taken out of account, which would equal {$3600.00} '' " Add {$3500.00} + {$3600.00} = {$7100.00}. Which means I overpaid by {$98.00}. '' " I see you want to increase my escrow account by {$13.00}, which is fine. This would equal {$910.00} x 12 months = {$11000.00}. This would equal the total amount due for '' " {$2200.00} not {$2600.00} '' " Escrow Account. Monthly payments should be. '' " I have applied for an assistant from your company and have been in your hands for many weeks. '' " I will send {$2200.00} for my XXXX payment. Looking forward to speaking to someone who can do something about this. '' " XXXX XXXX XXXX ''
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 XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX  XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX : # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : 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 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thank you for helping me in this matter.
Product: Credit reporting or other personal consumer reports

I have an account on my credit file that is due to identity theft ( XXXX # XXXX ) that should have been removed. Also I have a bankruptcy reporting that was stated it was verified when in fact it wasn't. I was told that XXXX XXXX verified. Then I was told that the courts verified. Both did not verify this. Also it is an incomplete docket # which is also a violation under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX / Navient is reporting my student loan account information inaccurately. XXXX XXXX XXXX / Navient is reporting that I pay a monthly payment of {$1900.00}. The problem is, I have never paid a payment of {$1900.00} because I have either been in forbearance or deferment status. My credit report should reflect accurately what I have paid or that the status in which I am currently in. This inaccurate reporting affects my dept to income ratio which adversely effects my utilization rate which has a negative effect on my credit score which results in me getting financed at a higher interest rate. I have spoken with Navient several times only to have them tell me to file a dispute with the credit bureau. I have filed a dispute with the credit report only to have Navient send up the same information. According to the Fair Credit Reporting Act, my credit report should accurately reflect my monthly payments therefore, XXXX XXXX XXXX  / Navient should be reporting {$0.00} or Forbearance or Deferred.
Product: Mortgage

XXXX  lost his job XX/XX/XXXX and is now back to work. He started XX/XX/XXXX. I applied for a mortgage modification on his behalf XX/XX/XXXX. We were informed on XX/XX/XXXX that the bank will not even look at the application. We were informed that their policy is no more than 2 modifications with in a 5 year period, and that I can not qualify for a modification until XX/XX/XXXX. 

The application was submitted by a 3rd person from a HUD  certified Housing Counseling Agency.
Product: Vehicle loan or lease

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.

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 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. 

MY BANKING INFO SHOULDVE NEVER REACHED MY CONSUMER REPORT. THIS IS IDENTITY THEFT, YOU SHOULDVE NEVER MADE MY PRIVATE INFOMATION PUBLIC. 

I NEVER SIGNED A OPT IN LETTER!!! SHOW ME PROOF AXOS BANK XXXX XXXX
Product: Debt collection

I received a letter from commonwealth financial systems about a debt collection. I did my research and found out that the debt was related to medical services. I contacted the medical provider, they never provided services to me ( which I already knew ), contacted the previous creditor and they said they could not provide any information even when they confirmed my case number. The current collector commonwealth financial systems try to convince me that the debt was mine because they had all my information on the case until I confronted them with evidence and prove they were wrong and ask the for a itemzed invoice. Tree weeks later I received a fake itemized invoice with fake information which was showing that the services were provided to a different person. I call back and all they said was that that made a mistake and hang up the phone. This is something that has to be investigated because doing my research I found out I was not the only person with the same problem with this company. They are trying to scam people and the worst part they have all your personal information home address, social security number date of birth phone numbers and you don't know if there will be future fraudulent intents to do the same.
Product: Credit reporting or other personal consumer reports

since XX/XX/XXXX, and every month their after I have sent dispute letters to the credit bureaus attaching personal identification to those letters which included an id, social and a utility bill. Asking them to validate and verify the accounts they have inaccuracies of. Which was not done on any occasion. I was never given a letter or response to the matters at hand. 


Also look at account XXXX - XXXX that should have already been deleted. 

I am writing to demand the immediate and permanent deletion of the following account, which has been deleted multiple times in response to my previous disputes but continues to be reinserted onto my credit report without proper notification or validation. This repeated reinsertion violates federal laws governing the accuracy and handling of consumer credit data. 

Violations and Discrepancies : Repeated Reinsertion Without Notification : Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ], an account that has been deleted can not be reinserted into a credit report unless verified, with written notification sent to the consumer within XXXX business days. I have received no such notice, making this reinsertion unlawful. 

XXXX. Inconsistent Account Details Across Bureaus : Account Numbers differ between Equifax and XXXX reports. Date Opened discrepancies exist between XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 
XXXX XXXX discrepancies show {$0.00} on Equifax but {$750.00} on XXXX and XXXX. 
High Credit discrepancies show {$1100.00} on Equifax and XXXX but {$0.00} on XXXX. 
These inaccuracies violate FCRA, Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to ensure the maximum possible accuracy of the data they report. 
XXXX. Failure to Validate the Account : Despite my disputes, no proper validation of this account has been provided, violating FCRA, Section 609 ( a ) ( 1 ) [ 15 U.S.C. 1681g ], which obligates credit reporting agencies to provide accurate and complete information about the disputed XXXX. XXXX of XXXX item. Contradictory and Inconsistent Reporting : Date Last Active varies significantly across reports : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Payment History is inconsistent across bureaus, with Equifax showing XXXX delinquencies at XXXX months, XXXX at XXXX  months, and XXXX at XXXX  months. 
Such contradictions further breach the FCRA, Section 607 ( b ) requirement for accuracy.
Product: Credit card or prepaid card

I have inherited a  Discover credit card. As I look at my Credit Report, the report says  that I opened this account in    1993 ( which  is not true ). First of all, Discover Bank does not give credit cards to someone th at their credit score  is around  XXXX . Secondly, if I would have opened this account i n 1993, I have  had  XXXX  bankruptcies and the card would have been wiped out. Here is the most important part, this card belongs to  XXXX   XXXX  who passed away several years ago. My wife inherited her estate and I was not a part of that. The estate has be all settle and then I started getting calls about this card a couple of years after  XXXX  passed away.