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

On XX/XX/22 I disputed the information through Experian, XXXX XXXX XXXX on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies do not provide credit scores for free, nor will they provide all of your credit scores. This is harmful to consumers. Credit reporting agencies should be required to provide ALL credit scores they provide to creditors, lenders, insurance companies, etc., and explain the differences between those scores. Why in this day and age has Congress not passed a law that allows consumers to have immediate, and always available access to not just their credit reports, which they can only get for free once per year, but also access to ALL of the credit scores that a credit reporting agency will generate for use by their paying creditors. Credit reporting agencies make the vast majority of their profits from creditors who request credit scores and reports on consumers, so stop making consumers have to pay for this information and make it always available and make ALL information available, not just a credit report. Scores are what matters, and consumers should be able to know each and every score that a credit reporting agency maintains about them, and they should be able to get this information at no cost, and on an immediate basis.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain credit inquiries from my credit report. Upon reviewing my credit report, I have found that there are inquiries listed that I did not authorize or that appear to be incorrect. These inquiries are impacting my credit score and do not reflect my actual credit activity. 

The inquiries in question are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I understand that only authorized credit inquiries should appear on my credit report. Since I did not authorize these inquiries. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

XXXX XXXX XXXX XXXX is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. This company is not licensed in the state of Florida to collect a debt. I've tried to contact this company with no response. I also sent a certified letter for them to validate or provide proof of debt with my signature ... I would like this company removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX  account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

My name on my credit report is XXXX XXXX XXXX Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY TRANSUNION REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY TRANSUNION, XXXX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, TRANSUNION BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

In XXXX, I took out two private student loans from Sallie Mae to attend XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX, SC ). I withdrew after one year due to debt concerns and realizing the school had misrepresented job placement and salary outcomes. In XXXX, the U.S. Department of Education discharged my federal loans under Borrower Defense for that fraud. Despite this, Sallie Mae still holds me to over XXXX XXXX in private loan debt ( originally XXXX XXXX XXXX ) with a 20-year repayment term. I requested a lower payment plan early on and was denied, then forced into forbearance due to hardship, which caused my balance to grow. I formally disputed the loans via certified mail on XX/XX/XXXX, and am requesting discharge or CFPB-facilitated resolution based on these circumstances. All supporting documents are attached.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a. states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXXXXXX XXXX XXXX, and TransUnion are consumer collection/reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) XXXX XXXX, XXXX and TransUnion are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) XXXXXXXX XXXX, XXXX, and Transunion dose not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX  XXXX and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked In reference to My XXXX XXXX XXXX XXXX  XXXX. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and TransUnion are not maintaining reasonable procedures. On XXXX XXXX I called XXXX 2 times asking for the above information. At that time both XXXX XXXX employees abruptly hung up the phone on me.
Product: Credit reporting or other personal consumer reports

This is to put XXXX Moneykey on notice that it is putting inaccurate, incomplete, and unverifiable information in my credit report. XXXX Moneykey is knowingly placing inaccurate and incomplete information in my credit reporting despite being notified. XXXX Moneykey is placing an alleged charged off account in my XXXX XXXX credit report claiming that I owe a balance of {$1000.00}. That is false and misleading, to say the least. That could not possibly be the case when XXXX Moneykey sold the alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is placing the same alleged debt in my credit report for {$1000.00}. Can I possibly owe the same {$1000.00} to both XXXX XXXX XXXX and XXXX Moneykey at the same time. The answer is " no ''. The answer is either I owed the same alleged {$1000.00} to XXXX XXXX XXXX XXXX or XXXX MoneyKey. Both companies placed the same alleged debt in my credit report for {$1000.00}. Therefore, the information is inaccurate and incomplete. As such, I demand to have the alleged charged off from both XXXX XXXX XXXX and XXXX MoneyKey for {$1000.00} be deleted from my XXXX XXXX XXXX report immediately. Failure on the part of XXXXMoneyKey, and XXXX XXXX XXXX XXXX XXXX credit reporting Agency is a violation of the FCRA.
Product: Debt collection

Portfolio Recovery Associates , LLC purchased my charged off credit card debt from XXXX XXXX. For several years Portfolio Recovery has been sending me dunning notices and bills for a debt for an excess of the amount charged off by XXXX XXXX. Letters are answered with a form about identity theft and disputes to credit reporting agencies are affirmed by PRA. I believe this is in violation of the recent settlement reached with the CFPB for illegal billing practices by PRA, LLC.
Product: Credit reporting or other personal consumer reports

I have got mixed-file issues with Experian XXXX  times since XXXX, I don't have issues with XXXX or XXXX. I saw accounts, inquiries, public records, names, addresses and phone numbers that didn't belong to me. In XX/XX/XXXX, I even saw XXXX or XXXX names under the name section. I tried to contact XXXX of the people who had been mixed-file with me through their phone numbers on my credit report, XXXX lived in the same apartment as me but with a different room number and the other went to the same university as me and have a mailbox in the same building as me ( different number ). Neither of them have a ssn at the time I called, while I have XXXX. The mixed-file issue has been hurting my credit score, and it's hard to detect if I don't check my credit report manually. 
The reasons I want to file an complaint are XXXX ) This issue is happening again and again, this year in XXXX, I found the issue in XXXX ( not sure when it happened ) and submitted a dispute through phone call. I checked again in XXXX and found new mixed people and some names who should have been deleted by last dispute, it's still there. I submitted another dispute. But then I checked again in XXXX, and there are still names that haven't been removed. 
XXXX ) Representatives from Experian refused to explain the reasons and prevent this problems from happening again. I have spoken to multiple representatives from dispute, fraud, mixed file departments. They either said they didn't know, or suggested me to set up a fraud alert on my credit report, even after I explained that I thought this's a mixed-file issue. The lady from mixed-file department said she didn't think this's a mixed-file issue, because she didn't see any other ssn ( the XXXX people I contacted didn't have ssn, and some information had been removed after my previous calls ) and hanged up my call before I finished my sentence. I've tried a few times asking for a cause why I got mixed file multiple times and only with Experian, and if there was anything I or Experian could do to prevent or reduce the possibility for this to happen again, but couldn't receive any response from Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: Credit reporting or other personal consumer reports

There should only be XXXX student loan account open for {$14000.00}. Ive opened disputes and contacts student aid.gov who informed me that the accounts have been removed on their end so they are unsure why the credit bureaus are still reporting incorrect information. How is it that XXXX has been able to make the corrections but XXXX and Equifax cant seem figure it out? Maybe if you would actually INVESTIGATE MY DISPUTE instead of closing them in less than XXXX hours you would be able to obtain the correct information. This issue is affecting my quality of life, as my XXXX appears to be way higher than it actually is while trying to qualify for a home loan. This is a last ditch effort on my part before seeking relief legally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX
Product: Student loan

I applied for the SAVE program. This was approved but the payment I was given seemed to be much higher than I expected when I did the math. It turns out MOHELA had used the wrong poverty tables, so I re-certified my income. An automated document returned closer to my anticipated payment amount, but it still had to be officially approved. In the meantime, I made the full payment at the higher rate.

Today I logged in and saw that I have been placed in an alternate payment plan ( not SAVE ), with an even higher payment amount than before!!! Additionally, my account is accruing interest which it should NOT be on the SAVE program. I have attempted on multiple occasions to speak with someone from the company without success.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, My name is XXXX XXXX XXXX and I am an employee at XXXX. I came to the United States in XXXX and worked at Pennsylvania XXXX University before joining XXXX in XX/XX/XXXX. Since arriving in the XXXX, I have maintained a clean credit and spending record. However, I have encountered difficulties in getting approved for a credit card. 
Last year, I applied for a XXXX XXXX credit card, and this year I applied for a XXXX Bank credit card, but both applications were denied. To understand the issue, I obtained my credit reports from XXXX and Experian. 
Upon reviewing the Experian report, I discovered several significant errors. 
Firstly, under personal information, there is a record for someone named XXXX XXXX, which is not a name I have ever used or known. Secondly, there is an address listed as XXXX BLUE XXXX XXXX XXXX, XXXX XXXX, PA XXXX, where I have never lived. Additionally, the birthdate in the system is shown as XXXX, which is incorrect. More troubling is the record of an unpaid collection from XXXX XXXX XXXX XXXX ( Account number XXXX ) for {$160.00}, an account I have no knowledge of or association with. 
In contrast, my XXXX report does not show any such debts or errors. I am confident that the incorrect records in the Experian report are the reason I have been unable to obtain a credit card, significantly impacting my life in the XXXX. I have tried contacting Experian customer service but have been unable to reach them. Therefore, I am reaching out to you for assistance. 
Attached, please find the reports from both Experian and XXXX for your review. 
Thank you very much for your help! 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request that Experian block the following accounts and prevent any further reporting of them on my credit report : XXXX, Account # : XXXX XXXX XXXX XXXX, Account # : XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report along with these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please update my Current Address as : XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I am requesting the removal of the following Hard Inquiries that have resulted from this identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX EQUIFAX : XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

hello i have received XXXX different collection letters about this claim the XXXX one was a company out of Kentucky, which we disputed in XX/XX/XXXX.when we got the letter from trans world i sent them a dispute letter in XX/XX/XXXX. their answer to my dispute was that they reported me on my credit report. i have had a lot of problems with identity theft and this company is on a witch hunt to collect anything from anyone. Please see the attachments.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/ and a balance of {$1600.00}. 


I believe this account is inaccurate and should be removed from my credit report immediately. Please verify that this is a previously removed collection/Charge-Off. The information on this account is extremely false and fraudulent. i have sent several credit dispute letters involving this account and it was removed from my XXXX report then added back months later. I need this removed from all my credit reports and also this is over 7 years. please delete this! 

This is against the Consumer Financial protection bureau and this Company is violating the Debt collection practices. I have received multiple emails and calls offering me a settlement amount. i am not interested in this whatsoever. attached is proof of this offer being sent to me for over 7 years.

here are two recent ones i have in my email XXXX XXXX I am aware of my rights under the FCRA, and I believe this collection account is not valid. I expect a timely response to this dispute, as required by law. Please conduct a thorough investigation and remove this account from my credit report if it is found to be inaccurate. I kindly request that you respond to this dispute within 30 days from the date of receipt, as mandated by the FCRA. Failure to respond within the specified timeframe may result in legal action. 

Thank you for your prompt attention to this matter. I look forward to a resolution that reflects the accuracy of my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally signed and sent this letter. Sincerely,
Product: Credit reporting or other personal consumer reports

I believe the information being reported to be inaccurate. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an outstanding balance on my XXXX XXXX internet services. I could not disconnect or close the account before traveling outside of US and therefore, incurred charges for couple of months ( XXXX 2022 ). I moved to a different address upon my return and got a new XXXX connection, beginning XXXX. I had been trying to make XXXX waive the charges since there was no use of internet. In XXXX, I noticed that the amount shows as " collection '' on my credit report. I called XXXX again and we agreed to settle for a reduced agreed upon final amount of {$100.00} on XX/XX/2022. As a result, my credit report from XXXX appears to have been updated but not from Equifax, as shown in my credit karma account. I disputed the XXXX account balance ( {$130.00} ) on my Equifax credit report, several times but keep getting the same answer that its correct. Please help me resolve this issue which has been affecting my credit score. I do not have a single late payment or any other unpaid debt in my credit history. Thank you
Product: Bank account or service

I miscalculated and my account went overdrawn. Based on posted debits, only XXXX debit caused the account to go overdrawn. However, I was charged for XXXX overdrafts.