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

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or ( unauthorized/unverifiable hard inquiry ) XXXXXXXX XXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXXXXXX XXXX XXXX  ( unauthorized/unverifiable hard inquiry ) XXXX JPMCB - Auto Finance ( unauthorized/unverifiable hard inquiry ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Student loan

I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.
Product: Checking or savings account

Wells Fargo incorrectly charged me overdraft fees as well as overcharged me fees on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts including filing an FTC and Police Report for this fraudulent account. Also i have sent several dispute letters stating the Federal Laws i am protected by as a consumer which Early Warning Services had disregarded on multiple occasions. Early warning continues to report this inaccurate information without any means of verification or permissible purpose which under federal law this account must be deleted. Early warning services has violated my rights as a consumer and defamation of my character also disrupting my worthiness as a consumer.
Product: Credit reporting or other personal consumer reports

I mailed a dispute to all three Credit Bureaus regarding late payments to ASPIRE Credit Card on XX/XX/2023 they received on XX/XX/2023. The date is currently XX/XX/2023 and there is still no Notice of Dispute on my XXXX or XXXX Report. XXXX posted a Notice of dispute 60 days past disputed time frame ( 5 days after investigation ) that is required by FCRA section 623. I have never received notice 5 days after their decision which also falls under FCRA section 623. That is fine of {$1.00} per occurence. Please have them remove from my credit report and fine them for blatantly disregarding the FCRA laws. Thank You XXXX 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 XXXX Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

I have no knowledge of this account and i have two of the same account twice on my credit report for the same thing and same amount. Im being credited twice and i do not understand why when I've made several attempts to resolve this issue with reaching out to the creditor and trying to fix it with my XXXX it is still on my XXXX account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I marked as inaccurate : XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX This is an update per my previous CFPB Complaint XXXX where I put you on notice for having incorrect information, you've failed to make me aware of investigation results and or conduct one. I demand all items that were investigated to be permanently deleted. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon starting the audit of my personal credit reports, I found multiple inaccuracies from XXXX  XXXX and XXXX XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by Portfolio Recovery Associates for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Product: Credit reporting

There was a small case suit against me in XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.
Product: Prepaid card

I have sent a letter back in XXXX along with the police report and a photo copy of my identification stating that I had never received my card and the transaction being made was without my consent so they said that they would be issue a new card and I never received that one either up untill XXXX with the card end with XXXX wen I received the card it was supposed to have funds in the account but there was only XXXX and I continued to call and ask about my claim they would deny them continuously so I would request that they reconciliation on the claim but I still haven't been able to collect all my funds I also tried to put wat lil money that was on the card wen I received it to my bank they wouldn't allow me make it easy for the the scammers it's horrible
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect spelling of name, wrong address, saying account is open with a balance in collection.
Product: Credit card

In XXXX I called and requested SCRA benefits be applied to my account. I was told that the only manner in which the company would receive communication about military orders was either by mail or fax. Upon faxing my documents I was told on XX/XX/XXXX that they were applied but none of the previous charges I incurred would be adjusted to the 6 % maximum interest rate and I would still need to pay those charges even though I would have been eligible for the benefit on those charges. When I spoke to a phone representative on XXXX she told me that " It was not the company 's fault that they did not know I was in the military ''. I reviewed the SCRA policy with military legal department and I was assured that the charges in question were covered under the SCRA.
Product: Student loan

I am not making enough to pay my loan every month. They are unwilling to work with me to lower the payment. 
I went to XXXX College in XXXX, NC
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for me filing this complaint is due to I C System Inc failing to provide proper notice within the required timeframe, and I have evidence of such, via certified mail receipts to substantiate my claim, you must now delete the item from my credit report. The law states failing to post a Notice of Dispute on credit reporting agency accounts is a violation of FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the creditors ( XXXX XXXX XXXX XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature
Product: Bank account or service

My guest trailer/camper burned down XXXX 2014. Insurance paid out XXXX dollars. I have spent about {$60000.00} in clearing, demolition, and rebuilding to date. SPS my mortgage lender has paid out {$29000.00}. 
Now the County has tagged my property for various violations and the DA is threatening Jail time if violations are not fixed in a timely manner. I have reported this to SPS and filed all paper work for proper reimbursement. How ever SPS has been stalling for the last two months and I could end up in jail. 
Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous formal complaint through the consumer Financial Protection Bureau and via mail to report inaccurate and incomplete information reported by XXXX and XXXX accounts listed on my credit report. According to FCRA 611 ( A ) ( 1 ) ( a ) I am entitled to a re-investigation. I have provide documents given to me by both credit furnishers through a federal agency which shows the authenicity of the information. I request that these two files be deleted immediately as in the past they have your agency have reported them verified and accurate when clearly they are not Also your agency has failed to state that XXXX purchased this account from XXXX as previous account
Product: Student loan

I attended XXXXXXXX XXXX from XXXX through XXXX, and borrowed these student loans below : XXXXXXXX XXXX XXXXF BY CLAIM {$3500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXXF BY CLAIM {$6000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$5500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$7000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXXF BY CLAIM {$7000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$5500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$680.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$870.00} - XX/XX/XXXX XXXX TOTAL LOANS borrowed for XXXX XXXX = {$36000.00}, which were supposedly paid in full by Borrowers Defense Claim. 

On XX/XX/XXXX, these loans were consolidated with added interest and transferred from XXXX to NelNet ( see LC application attached ) The consolidated loans totaled {$39000.00} + {$590.00} interest = {$40000.00} ( This should be the amount discharged through the Borrowers Defense application that was submitted on XX/XX/XXXX. But instead, they are showing that the above loans were discharged and that I still owe the consolidated amounts below, which add up to the {$40000.00} plus interest. THESE ARE THE SAME LOANS, JUST CONSOLIDATED! THEREFORE, THE ONES BELOW SHOULD ALSO BE XXXX THROUGH the closed school discharge or XXXX XXXX. 

XXXX XXXX REPAYMENT {$15000.00} {$18000.00} 5.88 % ( FIXED ) consolidated on XX/XX/XXXX XXXX which should be XXXX through BD. 
XXXX XXXX REPAYMENT {$24000.00} {$29000.00} 5.88 % ( FIXED ) consolidated on XX/XX/XXXX XXXX which should be XXXX through BD. 

The only loan I should be responsible after the BD discharge is the parent plus loan shown below in the amount of {$6000.00} from Ohio University that I took out for my son. 
XXXX XXXX REPAYMENT {$5000.00} ( {$6000.00} ) 7.21 % ( FIXED ) XX/XX/XXXX XXXX I have written many letters to NelNet XXXX Department of Education XXXX PPSL XXXX and many more trying to get this cleared up, because according to NelNet XXXX they are saying that I still owe over {$55000.00}, which is more than I even borrowed in the first place. If all of the XXXX Loans were XXXX as they claim, I should not still have a balance of over {$55000.00}. I am also due a refund of the monies that have been paid on these loans that were supposed to be XXXX. 

I know that I am not the only XXXX dealing with this situation and it was recommended that I contact CFPB to submit a complaint against NelNet and the Department of Education, who due to to the XXXX XXXXXXXX XXXX lawsuit, which is part of my Borrowers Defense application, have neglected to fulfil their obligations in this lawsuit. 

Any help would be appreciated! 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for housing with XXXX XXXX XXXX XXXX. The application was denied due to inaccurate information reported by Screen Reporters, INC. The report shows : Plaintiff Disposition Eviction Case # XXXX XX/XX/XXXX Case # XXXX XX/XX/XXXX This information is inaccurate and an eviction never took place. I'm providing documents as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX  paints me as a Bum. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Bank account or service

XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern i have a huge problem with experian. There is a lot of fraud on there. I have called these companies to try and understand how all this happened. I have a bunch of hard inquires which i will show you the pictures it says 11 hard pulls. I honestly have not made more than 2. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. all of these companies and any other companies shown in my picture is not accurate and not authorized by me. Had to be fraud. the only thing on there i know i got my credit ran by was XXXX is the only thing accurate that i can see in terms of hard pulls. Speaking of XXXX they gave me a late fee which they had said they would remove due to covid as i had been a 10+ year customer of there's. It has still yet to come of unsure as to why. i should only have 1 hard inquiry. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has not updated my credit score or any reports since XXXX When I called them, they said they could not tell me why or how to resolve it. The other bureaus have up to date information. Unclear what the issue is with Experian and why they can not resolve.
Product: Student loan

As mentioned in the previous complaint filed with you, complaint number XXXX filed on XX/XX/XXXX, Navient has been mishandling my loan. They did adjust my loan a tiny amount but it is still extremely incorrect. Most of the payments made since XXXX have zero applied to principle. They have applied all to interest. After my last complaint, it was adjusted slightly, so random payments show different amounts applied to principle. It was not every payment and not consistent. I have paid massive interest on this account and if navient has its way I will be paying until the day I die. I am attaching the most recent copy of my loans from their website so you can see this craziness. Also, I was charged interest for the years my loan was in chapter XXXX bankruptcy. I did supply proof to the company that my student loans were included in this bankrupcty. I was to pay the courts directly from payroll deduction each month and they distributed funds. On my records from the courts XXXX would be paid to student loans. My case was converted to chapter XXXX in XXXX when my husband was not working. I appreciate you help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report was obtain without consent which I believed to be a identity theft. Went to a car dealership and they ran my credit without consent to multiple financial institutions without consent. I am unable to resolve or dispute inquiries with the credit bureaus.