23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XXXX XXXX, 2017, I received an email stating the following : We recently sent you a letter to let you know your forbearance, deferment, or six-month grace period would end soon, and that your accrued interest would be capitalized ( added to your principal balance ). Now that the payment delay period has ended, we want you to know the total amount added to your principal balance was {$3000.00}. I never requested a forbearance or deferment. I have made my regular payments of {$340.00}. The email also stated that my new regular payment would be {$1000.00}, due XXXX XXXX, 2017. However, the automated phone system stated that my new monthly payment is {$710.00}, also due XXXX XXXX, 2017. I called and spoke to a representative and stated that my income-based repayment application was 3 days late causing the changes. I have had an issue with Nelnet every year when it come to renewing my income-based repayment. I work for a XXXX XXXX XXXX in XXXX. I need help with this issue as soon as possible. I had to take a deferment for the month of XXXX because of this issue, of course that means more interests and more debt, while the company figures out my new income-driven repayment.
Product: Payday loan, title loan, or personal loan

On Saturday XX/XX/19 around XXXX  o'clock I went into Speedy Cash to pay off my loan for the amount of XXXX dollars. I paid the full amount with cash and asked for a receipt in which the teller gave me one. On XX/XX/19 at XXXX I get a phone call from Speedy Cash Corporate office in which they tell me I haven't paid off the loan and there's no record of me paying it off. I call the branch where I paid the loan and they show no record of me paying off. I asked if they have any cameras and if they could review the footage and the teller said to come over and we'll be able to review it. Around XXXX o'clock i go over to the location and the manager then says it'll be weeks before we could actually review anything. The manager did print a receipt for me showing the last time I paid my last loan on XX/XX/XXXX but not showing the XXXXThe thing is I have lost the receipt and the only way to prove i did pay is with security cameras.
Product: Credit reporting

I wanted to start. College XXXX 2016, so around XXXX I requested my free annual. Report I needed to finance a new car for school. I was told I would be receiving my free report within 14days. Well still nothing I 've called several times only to be hung up on and then transfered. To 5different. People where. Again no report. Last year I ordered it and nothing so I wanted to be paying off my bills which I would have got a new car financed but I did n't get financed and the letter states it 's because of experian and Equifax reporting so I could n't start school could n't get financed for a car and what does it matter to them
Product: Credit card

Had a Chase credit card from XXXX to XXXX. Interest rate was rased to 31.99 %. My account went over the balance. I rec 'd harassing phone calls at work and home and to a co worker even asking for them to stop and explaining was disputing the increased interest charge. The calls continued and threatened with legal action unless I paid immediately. I was offered a one time opportunity to settle the debt in full for a reduced amount of debt. I agreed and paid in XXXX. Now as of XXXX XXXX I am being threatened with lawsuit from Attorneys who represent a Massive Junk Debt Buyer. 

The billing statements received from Debt Buyer show the payment with Payment Program on copies of bills they sent me and the account is listed as closed but they continue to bill and charge interest, late fees, over the limit fees and show my available credit on following statements as well as an attempted payment months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my XXXX  report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX  report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as XXXX. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my XXXX  report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Product: Credit reporting or other personal consumer reports

Several attempts to temporarily unfreeze my account at Experian using their online instructions were unsuccessfull. Calling the 2 numbers listed on their website ( XXXX and XXXX ) connected only to robots that refused to transfer call to a human. The robots cited only transferring for those with " limited circumstances '', never defined that term nor offered the option to claim limited circumstances. The robots simply rerouted the caller to the failed online option.
Product: Debt collection

XXXX XXXX XXXX XXXX reported negative items on my credit files and I don't recognize who's the client in wich they're reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I lost income XXXX check no longer so please call tell gold star finance contact stop sending me letter threatening I can't afford I am struggling debt so I have serious health problems that I have low white cell and I am very sick illness and fatigue and my chest hurts tell gold star finance leave me alone and if do I will go hospital again
Product: Credit reporting

On XX/XX/XXXX I ordered my credit report and I had no inquires on my report, and today I looked on my report and found that all previous inquires are back on my report and that made my score drop
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is " XXXX XXXX XXXX and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there's still an account that needs to be UPDATED : XXXX  XXXX XXXX : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information. 

Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX XXXX. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by credit Grantor Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Placed for Collection Original Creditor Name : XXXX XXXX XXXXXXXX University Closed : XXXX XXXX
Product: Credit reporting

Please refer to case XXXX. Equifax 's answer brings only more concerns. So, just because someone opened an account with my personal information, and the creditor reported this to Equifax , I am liable for the account??!?! They still have n't provided any proof of ownership. If I am owner of the account, please have them provide proof I opened the account in question, the purchases that were made and signed documents. If not, please have Equifax remove it ASAP. It 's weird, that they keep insisting the account is mine, since I contacted XXXX for the exact same issue, and they have confirmed the account in question is not mine and have successfully removed it. Furthermore, the Fair Credit Reporting Act, states they are required by law to remove any negative item that has been closed after 7 years. Moreover, this debt appears to be past the Statute of Limitations so it meets all the criteria to be removed. If they still neglect to remove the account I will escalate this to the FTC, my state attorney general, and XXXX.
Product: Debt collection

This company is reporting a debt that is not mine on my credit report. When I called to tell them that the debt is being disputed, they said they already know about the dispute, and that they already have the account flagged as a dispute and set to " Do Not Call ''. However, they are continuing to make a negative credit report. 

The person on the phone told me the company can continue to report disputed debts to the credit reporting agency as long as the dispute was noted with the reporting. However, there is no dispute noted with my negative credit reporting. In fact, it shows the company updated the negative credit reporting as recently as XX/XX/2022. 

I've retained an attorney who will soon be filing a civil suit on my behalf, however, I need these illegal collection tactics to cease immediately. 

The company should accept this complaint as a notice of imminent litigation, and they should preserve any evidence related to these claims, including records of my previous dispute, and copies of any call recordings, including the one which just occurred, where their employee acknowledged that the company knows my debt was previously disputed but they are credit reporting it anyway.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries suddenly appeared on my credit report this morning, and I have no idea why. I looked over my report as usual, but these discrepancies were unexpected. After refreshing to check for a glitch, the inquiries were still there. Im asking, in my frustration, that my documents be reviewed thoroughly so I can avoid this worry in the future.
Product: Credit card or prepaid card

On XX/XX/2018 I have wrote the CEO of XXXX XXXX XXXX with an affidavit of fact. The affidavit of Fact he had 21 days and did not get rebut any of the facts and now I'm informing you that this has fallen into default judgement in my honor.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My last dispute I filed no changes were made to my credit file and according to 15 USC 1681i ( 5 ) all inaccurate files my be deleted.

I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Experian did not modify or removed any of the inaccurate files.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit report. The XXXX XXXX  hut appears on my report twice. One file says XXXX XXXX XXXX  and the other file says XXXX XXXX XXXX XXXX The files have different dates, different amounts and different status. 
Which is a violation. This is impacting me from moving forward to buying a house for my family. 
I attach my new credit report to show how Experian violated my rights and pointed out all the inconsistent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted " XXXX XXXX XXXX XXXX XXXX. '' to obtain a free quote for the cost of building a deck on my home. XXXX XXXX XXXX and his driver came to my home that same day and did provide a estimate. XXXX was very persistent in his attempts to get me to conduct business with company that day, but I advised XXXX that I only wanted a quote and that I still had to meet with other companies. XXXX  was also persistent in attempting to have me provide him with my social security number so that he could begin the process of securing me a credit line and building my deck. I repeatedly told XXXX  that I would not be giving him my social security number. On XX/XX/2021, I begin receiving alerts that an inquiry was made on my XXXX, XXXX, and Equifax. By XX/XX/2021 I noticed that " XXXX or XXXX XXXX  '' appeared on my credit reports and I determined that Al fraudulent went against my wishes and somehow obtained my personal information. A few days later I received a credit card in the mail with my name on it and " XXXX XXXX XXXX XXXX '' underneath my name with a credit limit of {$15000.00}. I have text messages from myself to XXXX  letting him know how furious I was that he had taken advantage of me. XXXX  knew that he illegally obtained my information and refused to respond via text messages, but he did leave several messages in an effort not to leave paper trail on his end. However, I do still have those voice messages with XXXX confirming that he indeed fraudulently used my personal information to obtain credit in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX - XX/XX/2022 Equifax XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 Equifax XXXX XXXX  XX/XX/2022 Equifax I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting

I submitted an FTC Affidavit with report number, an FTC Complaint number and a Postal inspectors complaint to Equifax and the Reporting Agency has failed to properly investigate fraudulent accounts on my credit file. I have submitted the same information to substantiate my claim of ID Theft numerous times to no avail. The following account ( s ) are not my mine and were opened without my consent, knowledge, authorization and were opened under fraudulently ; XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
XXXX # XXXX is not my account. Please remove this inaccurate information from my credit file. 
Per my rights as a victim of ID Theft I demand that these accounts be properly investigated and removed from my credit profile. The FCRA ensures that Equifax reports 100 % accurate information. I also would like to see any consumer contracts and/or information contained in my credit file submitted as verification by the above referenced debt collectors and/or creditors per section 609 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

Fifth Third Bank initiated an inquiry on my credit report without obtaining my consent when I explored the possibility of opening a bank account with them.
Product: Credit reporting

The account listed as an open collections account listed under XXXX AD in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XX/XX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} PPO discount with XXXX XXXX XXXX XXXX original creditor ). This left me a balance of {$320.00}. I was told XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.
Product: Debt collection

XXXX  is improperly reporting an account in collection as follows : Creditor : Financial Asset Management Date Opened : XX/XX/2019 Amount Due : {$5900.00} No account was opened with them or their " Original Creditor : XXXX XXXX '' in or around XXXX of 2019. I have contacted XXXX  and filed a dispute 2 or 3 times to date with no success. I have contacted " Financial Asset Management '' as well to make them aware of their error only to be berated and yelled at. The original account refers to a Student Loan with a date of first delinquency that was longer than 7 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

company violated section 607 of the fcra by not validating information or providing proof of validation for disputed account. company refused to re investigate and remove inaccurate information being reported. I have filed complaints with the etc that warrant consequential damages, see XXXX XXXX XXXX 
I demand the credit reporting agency remove the inaccurate information as they have violated section 607 of the fcra