23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THIS ACCOUNT XXXX - XXXX Identified Reporting Inaccuracies Discrepancy in Account Balance : Equifax reports a XXXX of {$270.00}, XXXX reports {$0.00}, and XXXX reports {$270.00}. 
This violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which mandates furnishers to report accurate and consistent information to all credit bureaus.

1. Inconsistent Payment History : Equifax and XXXX report XXXX and XXXX delinquencies, while XXXX reflects no late XXXX ( XXXX : XXXX, XXXX : XXXX, XXXX : XXXX ). 
This violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], requiring credit bureaus to promptly investigate and correct disputes regarding inconsistent payment histories.

3. Failure to Verify Account Details : No documentation has been provided to verify the accuracy of the accounts payment status or balance.

This violates FCRA Section 611 ( a ) ( 2 ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ], which requires credit bureaus to notify data furnishers of disputes and reinvestigate reported inaccuracies. 
Improper Reporting of Account Status : Equifax and XXXX report the account as XXXX, while XXXX reports the account as Paid. 
This violates CFPB regulations that require uniform and accurate reporting of consumer accounts to prevent misleading data from negatively impacting creditworthiness. 
4. Misrepresentation of XXXX Details : The account comments include conflicting statements : " Charged off as bad debt '' and " Legally paid in full for less than the full balance. '' This is a violation of Metro 2 Compliance Standards, which require that account comments be accurate, non-contradictory, and reflective of the true status of the account. 
Failure to Correct Past Due Reporting : Equifax and XXXX continue to list a Past Due Amount of {$270.00}, while XXXX reports {$0.00}. 
This violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which prohibits the inclusion of inaccurate or misleading information on consumer credit reports.
Product: Debt collection

I 'm filing this complaint with your agency to implore your help to investigate the violation of the Federal Financial Credit Reporting Act ( FCRA ) of the debt collection organization, Fidelity Information Corp. From my story below and the evidence attached, it is proven beyond any doubt that Fidelity Information Corp has clearly and intentionally violated FCRA by : Inaccurately inflated the disputed amount to 20 times ( from {$71.00} to {$1300.00} ) When I contacted them and sent them the explanation and evidence that I did not owe its client any money, not only did they not bother to reply to me, they also reported me to XXXX Credit Bureau agencies ( XXXX and XXXX ) with the inflated amount. 
When I contacted them the XXXX time by phone, the lady at Fidelity Information Corp ( XXXX at extension XXXX ) admitted that the amount was only {$71.00} and promised to send me a breakout within XXXX business days, but nothing was sent. 
When I contacted them the 3rd time via certified letter to ask for a breakout on my account three weeks ago, I have still not heard from them. 
When I disputed my claim with the Credit Bureau ( XXXX ) with proofing documents 3 times, every time the credit bureau sent the disputed evidence to Fidelity Information Corp. for review and they advised the Credit Bureau to remain the negative credit on my report. I called XXXX and asked them why they did not look at the evidence I submitted to them. The response was that the bureau would trust the collection services more than an individual because the collection service was required by law to report accurately. In this case it is not. 

What Fidelity Information Corp has done to me, it has certainly done to other consumers. Therefore, I implore your help to investigate and stop this collector from abusing its power and acting outside the law to protect consumers. 

Regards, XXXX
Product: Student loan

I had a student loan with Great Lakes, they went bankrupt and sold my student loan to a 3rd party company, that 3rd party company didnt have any accurate updated information, address, phone, email etc. 
for 10 years Ive had my loans on auto draft of {$89.00} come out. 
When they sold it this new company began to report my account as delinquent to the credit bureau. 
The bigger problem is, they took my one loan and broke it up into XXXX separate student loans, {$2300.00}, {$2400.00}, {$1700.00}, {$1100.00} And reports that I missed 120 days worth of payments. Thats XXXX separate payments over 4 months they are saying I missed. 
Showing I have a total of XXXX late payments, bringing my credit score down XXXX points. 
Paying for 10 years should prove Ive always been in good standing and when they decided to make these changes without informing me or giving me access to set up a account to make sure my account is in good standing feels unjust and unfair and I shouldnt be punished because my loan company failed. 
When I explain this to the new loan company she explain it was my responsibility to keep up with it and they would not remove the negative remarks from the credit bureau, even though I brought my account into good standing. 


I have sent a dispute with the credit bureau, and have written a good will letter. 

Please, need help resolving this issue. 
I trying to resolve it directly with the loan company and they denied me. 

What ever you can do to help will be greatly appreciated!
Product: Credit reporting, credit repair services, or other personal consumer reports

besides stating actual law and regulations the problems and incorrect information is still appearing on my credit reports, feels like and also appears that my complaint was essentially been ignored, inaccurate on my credit report is very harmful to me personally and financially.the credit bureaus just report anything that they choose to report despite and without regard. i have pointed out how my right to privacy has been violated, my accounts do not state that the accounts and information is being disputed ... 15 u.s.c 1681 ( a ) 2 ( a ) the information excluded from consumer reports Sub Section B paragraph 3 the term consumer report does not include, 1. a report containing information solely as to transactions or experiences the consumer 'myself ' and the person 'company ' making the report, 15 u.s.c 1681. no credit reporting agency shall furnish any information in a consumer report if they have knowledge or reasonable suspicion that the information is incomplete or is inaccurate, the account XXXX states that the status of that account was discharged in XXXX XXXXXXXX date account opened according to credit report is XX/XX/XXXX status updated is XX/XX/XXXX??? seriously, whats even more disturbing is the collections account from XXXX XXXX XXXX is from XXXX it states date opened XX/XX/XXXX and balance updated XX/XX/XXXX, XXXX both these accounts are XXXX  in the same so why is portfolio recovery illegally parked on the credit report. and why are the credit bureaus allowing that? all names besides the XXXX i have provided and addresses older then 7 years old, also the name XXXX XXXX XXXX is in my personal information PLEASE REMOVE!!!!!!!! i will if these matters are not addressed will be hiring counsel PLEASE DO NOT FURNISH OR PROVIDE ANY INFORMATION THAT IS INACCURATE,!!!! if you guys would conduct an actual investigation you will see the errors.. thank you.. hopefully this will be the end of this fiasco..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has made it impossible to reach a live person to discuss my credit report. The options are either call about a fraud alert or freeze, or to order a score. There is no option, and no combination of options that lead to a live person to discuss my score or report. I have to get a dispute comment removed to be able to move forward with my mortgage approval, however I can not get ahold of anyone. I have called Experians customer service number at XXXX and no luck.
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 researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1600.00} ; XXXX XXXXXXXX Balance : {$87.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Equifax has violated my rights by reporting false information about the following : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) 15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.

The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have 3 children and one on the way and I care for my XXXX mother, and it is ridiculous that I must live in a small apartment for how many more years! Waiting for this to change?? I need this removed. Below is the information I see is totally incorrect. I have contacted Equifax with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly. 



XXXX XXXX XXXX  = XXXX for XXXX & XXXX they reported 60 days late XXXX for XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX  150 days late XXXX XXXX  118 days late XXXX XXXX  = XXXX XX/XX/XXXX, XX/XX/XXXX On XXXX, XXXX, XXXX in XXXX there shows no late payments. But I have them randomly in XX/XX/XXXX and XXXX. XXXX This makes no sense. 



University XXXX XXXX = XXXX XXXX to XXXX are all 180 days late. I called them many times over the years and they said I have no account with them. This is the only credit bureau showing I owe them when I own them nothing. There is also 2 accounts of the same accounts open just 1 day apart. These accounts even have the same account number ending in XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I took out an installment loan for {$1500.00}. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. 57.35 % of {$1500.00} is {$860.00}. Repaying the loan plus that already exorbitant interest would total {$2300.00}.

To date, I have paid {$3500.00} so {$1100.00} more than the amount I should have repaid. I still have 14 more payments which will result in me paying an additional {$4000.00}. It turns out I am being charged 407 % interest and not the 57.35 % advertised to me.

I demand that my account be closed and marked paid in full immediately. This company actually owes me {$1100.00} in overpaid interest as well.

I have a payment due XX/XX/XXXX. I want this resolved before that payment is deducted. I would like {$1100.00} in overpayments returned to me.

Please resolve this immediately and cease all automatic payments from my bank account. I have repeatedly attempted to resolve this with the company directly. The call center appears to not be located in the United States and 10 emails sent have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent several letters over the past six months and there has been no change in my report. I am requesting that this is removed from my report. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$380.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX  XX/XX/XXXX Experian XXXX  AC XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX/XXXX XXXX-XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  US SM BUS ADMIN ODA XX/XX/XXXX Experian XXXX/XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian CLARITY SERVICES XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian EXPERIAN XXXX XXXX XX/XX/XXXX Experian EXPERIAN XXXX XXXX  XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

PLEASE BE ADVISED THAT AS OF XX/XX/2024, MY INITIAL DISPUTE WAS MAILED OUT AND I HAVE YET TO HEAR A RESPONSE 6 MONTHS LATER THIS IS MY SECOND DISPUTE AND I DEMAND A RESPONSE IN A TIMELY MANNER. AS LISTED ON MY MOST RECENTLY REVIEWED CONSUMER REPORT, THERE ARE STILL UNVERIFIED INQUIRIES AND ACCOUNTS. THESE UNVERIFIED AND UNAUTHORIZED INQUIRIES AND ACCOUNTS ARE A RESULT OF ENABLING IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN LEAKED THROUGH XXXX DATA BREACH. EXPERIAN HAS FAILED IN ENSURING THE MAXIMUM POSSIBLE ACCURACY OF THIS INFORMATION PRIOR TO FURNISHING IT ON MY CREDIT PROFILE. THIS IS A CLEAR VIOLATION OF MY RIGHTS AS A CONSUMER. I
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCOUNT IS IDENTITY THEFT AND REPORTING FRAUD ON MY CONSUMER REPORT.
Product: Checking or savings account

On XX/XX/18 Wells Fargo Bank reversed a promised final credit of {$69.00} for purchase of non received merchandise -claim # XXXX for debt card ending in XXXX. 
This is a deliberate attempt to make my account balance negative & create NSF non sufficient fund fees for future transactions.
Product: Credit card or prepaid card

paid " interest-saver '' payment to capital one, then still was charged interest. spoke to their customer service and they stated " you must pay this 2 months in a row to avoid interest ''. no where in their billing statements or website does it stipulate this additional requirement. customer service refused to remove my interest charge.
Product: Student loan

Since XX/XX/XXXX there has been a COVID mandate where all student loans including Parent Plus loans should not be charged interest. We consolidated our Parent Plus loans FFELP with Navient XXXX of XXXX. We have been making our payments all through COVID and they have been charging interest and late fees. I called them yesterday and spoke to an off shore representative that told me that only the direct loans qualify not to pay interest. I would like all interest payments refunded to me. 
Thanks you
Product: Credit reporting or other personal consumer reports

The company has not completed its investigation within 30 days.
Product: Money transfers

I use paypal to transfer funds for payment and receipt of payment. 

With respect to payment receipts, paypal recently revised their system to report the amount that was sent to me as the funds transfer total without any regard to the net amount after paypal removes its fee. thus, paypal is over reporting each funds transfer and my total account balance. when asked, paypal states that they can not do anything about this because of their recent changes.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX Finance Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Product: Credit reporting or other personal consumer reports

I asked how a debt was verified from a company called ProCollect and have not received any information of the debt. XXXX claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any documentation.
Product: Checking or savings account

Citi is still refusing to give me back my funds despite it multiple CFPB complaints. It's been over 40 days since I have been locked from accessing my $ XXXX in the account when Citi blocked me. 

XXXX at Citi 's ERU has been completely incompetent, unresponsive, and unprofessional. I need someone else in the ERU on this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap transunion XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive reviewed my credit report and continue to notice incorrect and inaccurate personal information which is causing damage to my credit file.
Product: Checking or savings account

I got unathorized pruchases on my personal account at bank of america, they ha failed to do proper research and give my money bank Those payments were made in arkansas and i live in california, the sum is about {$2900.00} dollars. This is my life savings. 

This issue has been around since late XX/XX/2021 Thanks in advance for your help
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to verify the accuracy reporting on the account XXXX XXXX  XXXX. ..The accounts is current, paid on time..Please remove the late status from my credit report as soon as possible the sooner the better because it is preventing me from getting anything approved
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-I attempted to place a credit freeze on my XXXX  account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

XXXX-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

Experian- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?