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

I had numerous inaccurate names and addresses on my XXXX credit report. I had 2 collection reports on my profile from the same company Columbia debt recovery ( Genisis ). 
XXXX XXXX XXXX and Columbia debt recovery never sent me validation of debt under Fair Debt Collection Practices Act. Columbia debt recovery did a hard inquiry without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I asked the credit bureaus to do a verification investigation of my credit report and validate the accounts that were on my report.The reports came back & said it was accurate. I did a research myself and found improper inaccurates on my report even after they did their investigation. 



Accounts : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act XXXX  Accounts has violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 

15 U.S.C 1684 section 604 A. It also states a consumer report agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my SBNASELFLNDR XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent away for my free credit reports from all credit reporting agencies at the same time. I received XXXX XXXX and XXXX  sometime in early XX/XX/XXXX. Equifax sent a letter demanding further information that included social security # current address. The letter stated they could not locate a credit file in their database. I have requested my free credit report every year since about XXXX. Further more I have a credit freeze with all the bureaus. Another point was my information was accessed when Equifax was hacked in XXXX. I filed a claim and have my claim #. 

I have always had problems with this Bureau. In a previous request they refused to send the report but I was able to resolve the issue without submitting any further information. Their lack of information should have impacted my request in prior years.
Product: Debt collection

Social Security is trying to give Money to XXXX and Navy federal and XXXX XXXX and XXXX for the policy scam
Product: Mortgage

We fell a few months behind on our mortgage due to a temporary hardship. That hardship was resolved in late XX/XX/XXXX. On XX/XX/XXXX, I called our servicer, Specialized Loan Servicing ( SLS ), to make a payment to cover the past due amount and catch up. The representative told me that the amount due to catch up was {$3400.00}. The representative helpfully scheduled a payment for that amount for XX/XX/XXXX and made no mention of anything being amiss. I received a confirmation email and confirmation number. On XXXX, I received another email saying the payment was completed. I checked my mortgage account online, and I saw that that amount was applied to the balance due on the loan, and I assumed everything was fine. SLS also withdrew the {$3400.00} payment from my checking account at that time. 

However, on XX/XX/XXXX, I received a message via SLS 's secure messaging system that my payment was being returned due to my loan being in foreclosure. That was the first time I was made aware of any foreclosure. I replied to the message using the secure messaging system and explained how I was told on XXXX that the payment of {$3400.00} would cover the past due amount and I expected them to follow through on their word. I received a reply on XX/XX/XXXX that basically said the same thing as the XX/XX/XXXX message. In the meantime, I called SLS on XX/XX/XXXX and spoke to a representative who was unable or unwilling to help me. He scheduled a return call with a supervisor for between XXXX and noon on XX/XX/XXXX. I arranged my work schedule so I would be available at that time, and I never received a call. I then sent SLS another message later in the day on XX/XX/XXXX asking for the direct number of a supervisor. I didn't receive a reply until XX/XX/XXXX, which said a supervisor would reach out to me in the next 24-48 hours. That time frame has now passed, and I still haven't received a call. 

SLS obviously made a mistake, they are unwilling to correct it, and they are unwilling to escalate the matter to someone who can correct it. They have yet to return the {$3400.00} payment. I expect them to honor the figure of {$3400.00} as explained to me on XX/XX/XXXX and apply my payment to the loan. They record all phone conversations, so none of this information should be in dispute. I also have copies of the confirmation emails and other communications.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX transferred {$43000.00} to Chase Bank in Florida out of our account.. We were purchasing a XXXX XXXX XXXX XXXX XXXX XXXX. The motorhome did not arrive a scheduled. Called the XXXX XXXX XXXX XXXXXXXX on the the XXXX of XXXX to let them know. They contacted Chase Bank and they put a hold on the money. After several weeks of back and forth with our bank and XXXX they were not given much information at all. This has been going on for months. XXXX XXXX does not communicate with the Freud department at our bank at all. We found out 3 months ago that XXXX XXXX  had now moved it to asset recovery. XXXX XXXX XXXX XXXX is unable to talk to anyone in that department to see what the hold up is. They have emailed consistently but do not get a response back that way either. The deputy that took our report has called and talk to the bank as well to let them know he has an open case on this. We still do not have or money back. Can you help
Product: Student loan

Hello, I am reaching out to you because have been overlooked in a recent NJ class action lawsuit against Navient for New Jersey student loans borrowers. I had Navient as a loan servicer for the last 10 years. The Attorney General XXXX of New Jersey sued Navient for restitution in the case where it was determined that deceptive trapping and/ or deceptive, misleading tactics by the Student Loan Servicer were carried out. I have a loan in the amount of {$71000.00} ( Split into two types of loans XXXX XXXX XXXX XXXX XXXX ) the original loan started at {$20000.00} and I was advised by Navient to continually put my loan into forbearance for years going back to XXXX approximately. I read the FAQ 's for the AG lawsuit that the loan will be wiped out for all NJ borrowers from Naviant by XXXX XXXX Mine has not gone away yet. It's now XX/XX/XXXX. I even wrote the NJ Attorney General XXXX about this in hopes that I would not be passed over some how, however I did not get a response yet. I also contacted the Navient Settlement administrator, and they wrote me back claiming they have no record of me in their system. This is a lie, and I am being cheated. I get calls from navient currently about servicing my loan so there is no way there is no record of me. This debt has affected and plagued my life in every way. I have struggled every time when trying to acquire a credit card, a car loan, and even when attempting to purchase a first home. My credit score has suffered immensely, and in all phases of my life, I have always suffered from higher interest rates and or had to put up my own money in cash for a secured credit card. Any time I had to buy a car I would not get approved for a loan and I would have to pay a lot of money up front just for a chance to get approved for a high interest loan. That is not how it's supposed to be for a working-class citizen and a XXXX XXXX  XXXX 
Here is the link to the Attorney General article. I am demanding that Navient immediately clear my debt as I was involved involuntarily in their plot for run up loan amounts with high interest rates. I fall into this category of borrowers that the Attorney General mentioned. I have my loan documents and recorded calls to prove what they ( Navient ) told me. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
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 XXXXXXXX Bankruptcy 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

After several missed calls I spoke to a live person. I informed this person that my phone number used to be someone else 's number and that it is not my debt. The person stated they would take the number off of the account. That was several months ago. They have not stopped calling. Most recent calls were today at about XXXX XXXX, Monday ( XX/XX/19 ) and Friday ( XX/XX/19 ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I accidentally sent {$4900.00} XXXX ( XXXX XXXX ) ( via the XXXX XXXX ) to my Venmo account instead of XXXX  ( PayPaXXXX XXXX ). 

The {$4900.00} XXXX is still sitting at the above XXXX address. While I understand that XXXX may not officially support XXXX on XXXX, it is clear that Venmo controls the private keys to this deposit address. Therefore, the funds are technically accessible and can be returned. 

Key Considerations : - XXXX control over the private keys creates a duty of care regarding the funds. 
- Continuing to hold the funds despite my request could be construed as unjust enrichment or conversion. 
- Industry Precedent : Other major platforms, such as XXXX, offer a recovery process for assets sent to unsupported networks. This demonstrates that such recoveries are both technically feasible and considered standard practice by leading financial institutions. 
- I have already attempted to resolve this matter via customer support chat without success.
Product: Student loan

In XXXX, I submitted an XXXX for the PSLF Program. This XXXX was for payments XXXX and XXXX to then qualify my loans for forgiveness under the PSLF Program. I have a letter dated XX/XX/24 that indicated my XXXX was processed and that I had obtained 120 qualifying payments. However, a week later, my account was placed on a retroactive short-term forbearance that I did not ask for, because they didn't send out a billing statement in a timely manner back when my first payment was due in XXXX. This cascaded into my 120th payment being moved from qualifying to ineligible. So now I only have 119 qualifying payments, a second letter was sent, dated XXXX. I called Mohela on XX/XX/XXXX to ask what was going on. The customer service representative told me that they would be getting someone to fix the account. I called again on XXXX and this representative told me that the only way this was getting fixed was through the IDR waiver and there was no way for them to tell me when that might happen. Because my account had already reached 120 qualifying payments once, I am concerned that the IDR waiver will not be triggered. I am also concerned about this retroactive change to my account. They should not be able to go back and change an eligible payment to ineligible because of their mishandling of accounts. This unrequested blanket fix for their past mistake is causing undue hardship and suffering for borrowers who have fulfilled their requirements of the PSLF program.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CA Date Updated : XX/XX/XXXX INQUIRIES XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and reported to XXXX, XXXX and Trans Union and they will not remove the fraudulent activity
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I would like to remove my hard inquiries from my credit report with capital one
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

All correspondence should be sent to my attention at the above address.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, and I did not authorize these folks to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX has transferred my XXXX XXXX XXXX over to XXXX. Once I consolidated my student Loans, I was told by XXXX XXXX that the loans that they were reporting on my credit report would be deleted and that the XXXX loan would appear as XXXX large loan. The Individual Loans are still reflecting on all three of my XXXX XXXX, Experian, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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
Product: Debt collection

I specifically asked Alliant Capital management not to call my ex wife concerning my debt they did it anyway disclosing all my information to her.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Ive submitted letters to the credit bureaus to provide me with verification of the accounts in question ( XXXX, XXXX XXXX ), which they have failed to provide me with any information. 
On XXXX XXXX Ive submitted letters to XXXX to remove all unrecognizable hard inquiries that I have no knowledge of and to provide me with any information of my consent to these accounts.Theyve yet to provide me with information on the accounts.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX ; DEPT OF ED XX/XX/XXXX. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

The debt they're are trying to collect is an XXXX  & cable bill. I didn't sign up for someone used my name to get cable, I tried to tell them it is a fraud.
Product: Checking or savings account

I have been the legal financial conservator for my daughter, XXXX XXXX, since XXXX, XXXX. Truist Bank ( at that time, BB & T ) has had documents on file since XXXX, XXXX when I opened the conservatorship accounts. 
On XX/XX/XXXX, my daughter went into the bank and withdrew {$7000.00} from her accounts. I went to the bank and filed Affidavits of Fraud for these illegal withdrawals. I innocently told the bank that my daughter used these funds to buy a car. The bank wants proof that I have returned the car before they will consider replacing the funds. 

Are you able to help? 
I am deaf so email is the best way to contact me XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked these credit bureaus numerous times to removed fraudulent inquiries on my credit report and they will not help me. I have reported them all and the agencies will not properly removed them according to the FCRA GUIDELINES. 

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 These inquiries are not authorized and are not verified!! 

As well as the debt collection from XXXX XXXX ( XXXX ) in which I have documents from stating I am NOT responsible for!! I will attach documents!
Product: Debt collection

I.C. SYSTEM, INC has continued reporting false and inaccurate information on all three of my credit report. 
Even though they have been unable to validate the debt, they continue to report this false and damaging and inaccurate information on all three of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Credit agency did not update credit file properly. 

I have not signed any written or verbal agreements with signed companies below : XXXX XXXX, XXXX XXXX XXXX, any other collection and incorrect reporting as lost or stolen. This is incorrect and I did not sign any contracts with the stated agencies. 

These items should automatically fall off : One Main Financial