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

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The Consumer Reporting Agency stated that my account was " properly investigated '' but how is that possible with so much inaccurate information reporting? As shown in the attached documents, the account name is inaccurate, the account number is inaccurate, and the original creditor 's name is not accurate. This is a direct violation of my rights according to 15 U.S.C 1681 section 602 A in which states that I have the right to privacy. In addition to the first violation, the credit reporting agency has also violated 15 U.S.C 1681 Section 604 A Section 2 in which states a consumer reporting agency can not furnish an account without my written instructions.

Last but not least 15 U.S. Code 1681 ( B ) states that I have the right to a fair and equitable consumer report. 

Furthermore, the consumer reporting agency also took more than 30 days to complete my initial investigation. 


If the CRA can not provide me with proof of my written instructions to report this information to my consumer report prior to furnishing it on my consumer report ( 15 U.S.C 1681 Section 604 A Section 2 ) I have reason to believe you have furnished this inaccurate information with forethought and malice as an attempt to bring harm to me and my financial reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing letters to the credit bureaus asking them to remove the inaccurate late payment information from my credit report. After 2 attempts to get them to update the information, Experian is still reporting it incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second request to remove unverified information from my credit report. I have unverified accounts. I had previously disputed this account. I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

I received my degree from University XXXX XXXX, applied for Federal Loans and worked full time. My wife was a stay at home mom and the University sold me on Private Loans that they said worked like Federal loans to supplement my income. I ended up with over XXXX in Private Loans the school should have never presented and an economy that will never return to pay them off.
Product: Vehicle loan or lease

I purchased my XXXX XXXX XXXX XXXX XXXX with a cobuyer. Made all my payments on time. I was no longer in communication with the cobuyer shortly after purchase. Come XXXX XXXX I got into a car accident. The accident was the other parties fault and I took the vehicle to a repair facility of my choosing for repairs to be fully covered under the other parties insurance. While my vehicle was being repaired ( fully tore down, parts ordered ) the cobuyer came to the repair facility with his own tow truck and took the vehicle without me knowing to another repair facility that I could not find or get ahold of. My repair facility informed me of what happened. I contacted the cobuyer multiple times to get my vehicle back. The cobuyer told me the vehicle was going into a bankruptcy and that I was not getting my vehicle back. I stayed in constant communication with Flagship and they informed me no bankruptcy was ever filed. Because the vehicle was not actively being repaired the insurance stopped paying for my rental. I was forced to return the vehicle and having XXXX kids being a single parent I needed transportation to get them to school and myself to work. I purchased another used car. The cobuyer told XXXX that they were not going to pay on the loan and hide the vehicle until it gets repossessed. I had NO WAY to get my car back and could not afford to pay on two vehicles. I tried to voluntarily surrender the vehicle so that the cobuyer would too then I could redeem, I asked if once it was recovered if I could get it back then and continue to pay on it. I tried to refinance the loan into my own name and was n't able to. I tried everything I could. Flagship informed me that even if I were to regain possession of the vehicle the cobuyer could still come and take it again. So after learning that, I had to let it go. I worked hard to get my credit score up and maintain that loan. Like I mentioned before I made every single one of my payments on time. Due to the cobuyer bullying me out of the vehicle and forcing the vehicle to get repossessed I am now stuck with this loan, a charge off, and a repossession and I truly do n't believe it 's fair. PLEASE review the whole situation and all the calls. This situation was well out of my hands and I had to take care of myself and kids unfortunately resulting in letting the vehicle go.
Product: Credit card or prepaid card

The response to CFPB XXXX : XXXX states " the merchants decision not to honor your refund request appears consistent with the terms and conditions the merchant makes available to consumers in connection with the purchase at issue. As a result, we re-billed the disputed transaction '' -- -- -- The merchant never made any terms or conditions of sale available to me -- -- -- Merchant sold a car he did not own, and to this day I do not have title to the vehicle and I suffered a significant loss to address the issues with the other vehicles.
Product: Debt collection

Never received information that a collection was being needed! It just showed up on XXXX
Product: Credit card or prepaid card

Synchrony Bank lowered my credit limit for no reason. My payments made timely and no adverse remarks on credit report. In fact, my FICO increased before they lowered by credit limit on a {XXXX balance. This adversely has effected my credit score now.
Product: Credit reporting or other personal consumer reports

Trans Union provided me with my credit report in XXXX, XXXX. Included in it are numerous violations of Truth in Lendingthe dissemination of my report to unauthorized parties. 
Trans Union received my complaint in XXXX, XXXX, for same. Trans Union did not respond to the complaint, nor did they investigate my complaints as required by law. Instead, Trans Union sent me an identical copy of the original with no reference to an investigation, or any type of acknowledgement of same, on XX/XX/2023 Trans Union is in violation of the FCRA for failure to comply with the request for an investigation or reasons why they choose to allow the dissemination of credit without any legal basis presented by the inquirer. 
I am requesting that the CFPB take action and advise Trans Union to delete all XXXX XXXX inquiries, coupled with XXXX XXXX XXXX, and XXXX XXXX XXXX.
Product: Student loan

As you can see from previous complaints, I have been struggling with incorrect billing with Mohela for months now. I had a bill due XXXX for XXXX which I paid on XXXX. My XXXX bill was during administrative processing forbearance. My XXXX bill was for XXXX, which I paid XX/XX/13. My XXXX XXXX bills had also been placed in administrative forbearance, and what I had paid will be refunded ( though I havent received it yet ). But NOW I received my bill for XXXX and I have a past due amount for {$14.00}!? How!?! All my bills have been either administrative forbearance or paid in full. Now Im worried they are again going to mess up my credit score or my counts for PSLF because they just keep messing up billing and payments. I also called three days ago was requested a supervisor call back, but I have not gotten one, despite their recording saying they will call in 25-48 hours.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XXXX, XXXX XXXX - XXXX,
Product: Credit reporting or other personal consumer reports

Debt securities being created in my name with no equity for me. 

Violation of the privacy act of 1974 with the sale of my personal information.

15 U.S.C 1692A-B Under the ECOA 15 U.S.C 169, it is unlawful for a lender to discriminate on a prohibited basis in any aspect of a credit transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquire from Citizens Bank on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX XXXX  third party payment processor failed to resubmit my payment. This caused my payment to be made 29 days late as I had to manually force the payment. It processed a day later. XXXX admitted this in a recorded phone call XX/XX/XXXX at XXXX hours via XXXX XXXX. Now they're lying saying they changed their policy to not pull payments but never told any customers. They are omitting why my payment was late and refusing to remove the 31 day late which is DESTROYING my credit and closing my wife 's accounts. By federal law the truth must be told. I'm suing.
Product: Credit reporting or other personal consumer reports

The credit is being looked at by people I dont know and being shared on platforms I didnt authorize
Product: Debt collection

I have been making payments to Springfield Recovery Inc. on a debt owed to a property management company for over 6 months on time every month of {$50.00}. This company closed on XX/XX/XXXX and debt was bought by XXXX XXXX XXXX. I called this company today, XX/XX/XXXX, to set up a payment plan after receiving their statement on XX/XX/XXXX. First, I discussed that that statement did not reflect the accurate amount owed, as I have proof of actual amount owed from previous debt collector. The agent I was speaking with, XXXX XXXX, states I can email it to her at XXXX. I did email this document as soon I got off the phone with her. Secondly I asked to set up a payment plan. She stated to me they do not accept payment plans and starts to ask me about my employment, rent, car payments, credit cards and other personal information. I let her know I can not pay the amount in full and will have to make payments. She again states she will not accept any payments and asks about my income tax returns and if I can pay off my debt with this after making a partial payment today. I, again, inform her this will not work. She then proceeds to say " yes, I see this is not a priority to you and we will proceed with contacting your employer as we were going to do anyway ''. So XXXX data has not even had my debt for a month, has sent me one statement, and not even attempted to contact me by phone. I contact them to set up a payment and they tell me they were already going to start taking money from my paychecks anyways. I am willing to make payments, but they are not willing to accept, which is absolutely absurd.
Product: Debt collection

Nationstar Mortgage, LLC acting in the capacity of a debt collector, filed a lis pendens against my proper without sending me notification of the debt claimed under 15 U.S. Code 1692g.Validation of debts. Nationstar Mortgage LLC has slandered title to my property and is in violation of 15 USC 1692 by not sending the required notice. I have never been indebted to Nationstar Mortgage, LLC. Nationstar Mortgage, LLC has never extended credit to me. Nationstar Mortgage, LLC filed falsified  documents in the XXXX County land records for the sole purpose of foreclosing on an unsecured promissory note. Nationstar Mortgage used a promissory note, which I did not sign, to steal my real property under the false pretense of being the holder of the mortgage and the note. Nationstar Mortgage, XXXX has never been the holder of the mortgage. Nationstar Mortgage, XXXX has never been the owner of the mortgage. Nationstar Mortgage has stated in multiple documents that XXXX XXXX   is the owner of the mortgage and the note. The note was securitized, which makes it unsecured. Nationstar Mortgage, LLC can not lawfully enforce a mortgage with a note that has been bifurcated from the mortgage.
Product: Credit reporting

TransUnion is continuing to report the accounts listed below in error. 
UNKNOWN CREDITOR ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account. 

XXXX XXXX ACCOUNT # XXXX This account does not belong to me. Please delete this account.
Product: Credit reporting or other personal consumer reports

There a lawsuit with XXXX not not accurately disputing items on report. I have ask for several disputing investigations recently and in the passed. Please remove negative false infirmary on from my credit report.
Product: Debt collection

This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Is listed on my credit report as a debt I owe and have not paid. I do nnot owe this debt and want it removed immediately. They refuse to provide written proof of the debt which proved my point, that I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Credit acceptance has my car loan and they are reporting the incorrect balance information on my car loan to my credit. I have ask them twice XX/XX/21 and XX/XX/21 to send me a copy of my payment history, American Credit acceptance has not sent the information request.
Product: Credit card or prepaid card

This is a continuation from CFPB complaint # XXXX. I am sending XXXX XXXX XXXX my hardship packet in order to go on a fixed monthly payment and in a effort to suspend or lower, the {$22.00} variable interest I am still adding to a {$3600.00} store card ( XXXX XXXX ) that should be in charged off status already. 

My name is also on a offset status with XXXX XXXX and XXXX is in charge of making sure any federal payments are held as well as my wages. I hope the packet gets approved and I will no longer be in that status and be allowed to pay {$300.00} monthly at {$75.00} weekly. At this moment the debt is at approximately {$4300.00} with the charged that XXXX charges for their service. I have attached the packed sent to them XX/XX/XXXX via USPS. 

According to the XXXX reply on CFPB complaint # XXXX, this debt is at over {$4100.00} on their letter inviting me to complete the hardship packet. They also sent a dues charges sheet with a total due as of XX/XX/XXXX of {>= $1,000,000}. I believe this 2nd one is a typo. There is also a statement dated XX/XX/XXXX of {$3800.00} for XXXX XXXX which I am not related to nor have I named him as an authorized user for the account, this must also be a mistake. Please make sure these mistakes do not get added to my debt for ANY reason as other cases that XXXX has been involved in the past. 

This card was originally opened in XXXX during my military service and in XXXX I was not able to keep up the debt due to the state of the world. I was placed on their hardship program and was debited from my XXXX bank account monthly until there was a missed payment which caused the account to go on default status. 

The debt around that time was {$2600.00} ( from a {$3600.00} limit that the card had ) and I was only able to pay {$40.00} monthly which was only covering barely interests which had gone back to accrue due to the default status ( this card never gets " charged off '' apparently ). 

I lost my XXXX account and this account went back up to over {$3000.00} and through XXXX and XXXX I have been trying to pick up the payments to try to settle but if this account is delinquent it should not be still accruing interest on the original limit of {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time someone goes to pull my equifax fax or I try to look at my equifax fax score it says it's currently nothing available and when people try to pull it nothing comes up, it says that it's locked and when I call Equifax they stated that it was never locked to begin with
Product: Checking or savings account

Good day, I sent the payment of {$700.00} through online bill pay from webster bank and the payment was sent on XX/XX/XXXX to XXXX XXXX. However ; the problem was the card number in online bill pay setting was the account number XXXX that was closed ( formerly owned by XXXX XXXX XXXX, which transferred to XXXX in XXXX ). I didn't mean to pay to that account but since i set up online bill pay years ago, in my mind, i thought i was paying to my current XXXX XXXX account which is XXXX XXXX XXXX said call XXXX, and XXXX said call XXXX XXXX. XXXX said since 2 years ago, they can no longer check former XXXX XXXX XXXX accounts. XXXX XXXX said they can no longer check any XXXX account formerly by XXXX XXXX. In early XXXX, I went to the webster bank and spoke with bank Manager, i spoke with many different representatives from both XXXX XXXX and XXXX XXXX XXXX including supervisors, and opened disputes. All disputes were closed without any resolution. They told me to go back to webster bank, dispute it, recall the payments. Every bank has this option to do but webster bank said no, they can not do it. Then again when I called XXXX and XXXX again, both financial institutions pointing at each other to contact. Then I spoke with XXXX XXXX dispute department the person name XXXX XXXX, he said he saw the payment came through XX/XX/XXXX at XXXX am but since the account credited was closed, he can not touch it. He opened the dispute for me. He was very helpful ; however, i got the letter dated XX/XX/XXXX stated it will return to originator. So, i asked a representative and Supervisor name XXXX if this will return to me. They both said yes, it will return to my bank. On XX/XX/XXXX, I sent a copy of the letter from XXXX XXXX stating the payment of {$700.00} will be returned to originator and if they received any return payment. They responded stating no. So, i called XXXX XXXX again and one representative was very impatient with me stating i have to have my financial institution ( webster bank ) send in writing to return the payment. Another representative said i have to contact XXXX bank. I am being circled around and meawhile {$700.00} is lost and webster bank can not retract it, can not recall payment, XXXX XXXX can not and stating call XXXX and XXXX said call XXXX XXXX. I would like to get assistance to get my money back please. The case is not complicated but confusing. Please let me know if you have any questions, i may be able to explain better. I have been frustrated mentally. Please help me.
Product: Credit reporting or other personal consumer reports

To dispute the fraudulent components on my credit report, I'm writing to you. I did not make the charges associated with these accounts that are shown on my credit record. I filed a complaint with the Federal Trade Commission and included a copy of the Affidavit. Please be aware that my credit report still contains the unconfirmed entries. As required by law, I have not yet received evidence from the original creditors to confirm that the information is accurate and belongs to me. As I haven't had any paperwork from the original creditors, kindly remove the products as soon as you can.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. On today, XX/XX/2020, I authorized XXXX XXXX, a third-party marketing firm, the ability to conduct a soft inquiry or promotional inquiry on my credit report, for the purpose of providing me with pre-approved loan offers. I clicked on : " View my offers '', below which it states : " Don't worry, this loan request will not affect your credit score. '' 2. I received pre-approved offers from several loan companies, including XXXX XXXX. 

3. At approximately, XXXX XXXX, I received a call from the XXXX XXXX branch in XXXX, Georgia, phone number XXXX XXXX XXXX XXXX. 

4. The individual asked me several questions about my income, and then said he needed my consent to conduct a hard inquiry on my credit report. He said he could make no loan offers until I give my consent. 

5. I said I would not be willing to do that, and hung up the phone. 

6. Within seconds, I received a notification from XXXX XXXX that a hard inquiry from XXXX XXXX XXXX had appeared on my report. 

7. I called the branch and requested to speak with a manager, was told the manager would call me back, but I have received no phone call.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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