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

Inaccurate information reporting on my credit report that are not mine. I have contacted XXXX, XXXX, Experian several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to XXXX, XXXX, Experian several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. XXXX, XXXX, Experian needs to provide proof of validation of these being removed and the results of my disputes. When I call XXXX, XXXX, Experian they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my XXXX and XXXX score does not reflect my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

Their app is messed up and they said I still owe them money and I remember paying them back and they still say I owe them money which I told them I paid him back
Product: Debt collection

After checking my credit, I noticed that there were 2 accounts in collections from ALDOUS- that do not belong to me. Both were opened on XX/XX/2023. I reached out the the phone number listed on the debt file and tried to gain insight on this account. Prior to reaching out to them, I reached out to XXXX XXXX ( original creditor ) asking what information was used to create these accounts. They verified that they DO NOT use social security numbers to open accounts. Only phone number, payment ( cash or card ) and email address. When I contacted ALDOUS, I first spoke with XXXX and provided this information to him. However, he hung on me. I called back asked the a guy to transfer me back to XXXX, he too, hung up on me. I called back and I spoke with XXXX, asking her to transfer me to a XXXX. Finally, I spoke with a rude, dismissive XXXX named XXXX. I explained to her the situation and she immediately let me know that this was an attempt to collect a debt, and mentioned that I needed to contact a lawyer and have him/her reach out to them in writing. She then hung up without ever giving me the time to further explain what was going on. According to the FCRA guidelines, ALDOUS is in violation on many accounts for reporting this debt on my credit, restricting communication and continuing to report this debt after I've informed them that this is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a an Account open in my name that was not me, I reached out to the company and the verified the account was open fraudulently. 

Illinois XXXX XXXX Date opened XX/XX/2018 Amount {$930.00} My personal information was apart of the XXXX data breach, this account is still reflecting on my credit report
Product: Student loan

XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX experian and XXXX  credit reporting agency , block & delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Reason : Identity theft & Data breach.These fraudulent accounts consists of a auto loan at XXXX XXXX XXXX around XX/XX/XXXXXXXX  with account number XXXX and other accounts at XXXX XXXX XXXX account number XXXX around XX/XX/XXXX and IC system account number XXXX  around XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and fraudulent collections appearing on my consumer FICO credit report & file. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity cease & desist. I do not recognize the aforementioned accounts & Information reporting, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

ated to said items cease pursuant to my rights within the FCRA and FDCPA Laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 an account without my written instructions Equifax has reported incorrect information on my credit report. There are several accounts that are associated with the bankruptcy that is showing on my credit report that needs to be removed. I have included a PDF that shows everything highlighted that needs to be deleted. Also Incorrect names and addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

Had disputed account with XXXX and Experian online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.
Product: Debt collection

Capital Accounts called my number asking for a XXXX XXXX and upon already having gone through this with various other companies, I asked to speak to a supervisor or manager and requested to know where and through what skip trace are they acquiring my phone number for this person and I was told that they can't reveal the skip trace company and in asking for someone higher, I was told they aren't available. This has been a continued issue with collection agencies, including Capital Accounts that depend on inaccurate information from skip trace companies and then disturb my phone in the evening time. I want to know how and where they received my number and through what skip trace company so that I can stop this endless problem. 
The old " remove the number '' is no longer viable as far as I am concerned. I believe I have the right to know how they are acquiring my number so that I can hold the proper company liable for these issues- and if not, I can only assume this company wishes to take responsibility for TCPA Violations, as I have had my number for more than 10 years and it is on the do not call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had all 3 companies unfreeze accounts last week to get a bank loan, was told by bank rep that XXXX was still frozen, called XXXX twice and was told it was not frozen. Did not get loan approved. 
Just tried to get my free annual report from all 3 agencies, keep getting error messages about my identity not verified. I think someone may be trying to use my identity for a crime. Please advise asap.
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. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : 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 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

I have a closed auto loan with this company called credit acceptance that was opened in XX/XX/XXXX, however I contacted the credit bureau once I noticed several inaccuracy reporting as far as 30 90 and 60 day lates, these are all inaccurate, Ive asked experian to correct this information or force credit acceptance to report proper information, however what Im noticing is experian every time I disputed they just say verified, IVE ASKED FOR THE METHOD OF VERIFICATION, biggest issue is they are supposed to go beyond the creditor make sure the information furnished to them a indeed 100 % accurate, however they just back these false verification no rhyme or reason given just tell me the company says its accurate, its also the job of the bureau to make sure the creditor is not bullying me which is clearly the case here the account is closed so they dont care about updating their records or even spending any time researching it ... well they should delete the account if they cant verify and stop sending false reply that you ecxperian did not even research
Product: Credit reporting

Address ' on credit report are wrong and need to be deleted XXXX XXXX NV XXXX XXXX XXXX NV XXXX Correct address ' XXXX OH XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent the past several months sending certified letters and countless calls to all 3 credit bureaus Equifax, XXXX and XXXX trying to get this one account DELETED from my credit file. These credit bureaus are reporting inaccurate information. I have requested them to validate the account, I have requested to show me proof as to how they verified their information and have not received any proof other than them sending me letters stating that the account was verified. In addition to that these credit bureaus are updating the account with " inaccurate/false information ''. Originally they were reporting that XXXX XXXX acct # XXXX was included in an alleged bankruptcy dated back in XXXX, that is false. How can an account be included in a bankruptcy dated in XXXX when the account shows paid & settled for less back in XXXX. This account was originally opened back XXXX, Charged Off back in XXXX and paid back in XXXX. This tells me that they are not properly investigating their information and then adding false information. I just reviewed my credit report it now shows that they are reporting a Charge Off in XX/XX/XXXX. This is False and should be Deleted. This account was already charged off back in XXXX how can i be hit with another CO for an already closed and charged off account. Its fraud and because of this false reporting my credit score has dropped and is now showing i have been late as of recent. i have not been late on any accounts for the past year.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XX/XX/2023 I have been receiving a high volume of solicitor phone calls from debt collectors PENN CREDIT CORPORATION and attempt to collect a debt that I believe that I have not have Permissible Purposes FCRA 15 U.S.C. 1681 b Per FCRA Consumer have the rights Penn Credit Corporation committed acts of violations of the FRCA In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone
Product: Debt collection

In XX/XX/2019, I conducted a review of my credit report. I found items that I was unaware if the debts actually were valid. Therefore, I began to dispute with the credit bureaus. Upon doing so, I received a letter stating that the debt was valid with a duplicate bill. According to FCRA laws, this does not substantiate the debt being valid, or, belonging to me. This company is known for such illegal collection tactics as well as failure to adhere to the laws of FCRA. Prior class action lawsuits indicate this. Yet, they still continue to engage in the same unethically and illegal practices.
Product: Credit card

We received a bill last XXXX for XXXX services to our house that we were selling. We had spent hours on the phone trying to reach XXXX as the company was being sold. We discontinued service in XXXX, once we finally reached them and then sent back the receiver to the company. We sold our house on XX/XX/XXXX and moved to another city ( XXXX, WA ). We contacted CHASE about a bill for XXXX services that was on our XXXX XXXX bill in XXXX. The dispute was credited and CHASE wrote " We're pleased to tell you that we've resolved your dispute. '' In late XXXX, we received another message from XXXX telling us that our account was past due and had been closed by them. That was curious as we had closed it on XX/XX/XXXX by phone call. We also received a bill for an XXXX XXXX ( that we sent back ) {$14.00} and additional charges for local channels, and XXXX 's XXXX XXXX ( {$240.00} ). We were living in a condo at that time in XXXX. The bill that appeared was sent to my XXXX XXXXXXXX who XXXX XXXX XXXX XXXX, so it had been routed a few times before it reached us. The name on the account was my mother-in-law 's " XXXX XXXX '' but the address was our new condo. She lived in assisted living without any XXXX  services. The charges were for services from XX/XX/XXXX to XX/XX/XXXX but the billing date of the statement was XX/XX/XXXX which seems really odd. We disputed these charges with CHASE and they appeared on our statement. I complained ( twice by phone ) and received a letter in early XXXX stating that " they have confirmed that these transactions are valid ''. I again disputed this and sent a copy of the bill and our moving history to CHASE on XXXX XXXX. 
On XX/XX/XXXX, I received another letter stating that " the results of our investigation confirm that the transactions are valid and no billing error occurred. '' Then they notified the credit reporting agency that we disagree with the resolution even though we have been paying the full amount. The phone discussion was about never receiving the XXXX XXXX  Anyway, the services were never received as the people who bought our house are friends and they did not use XXXX I have copies of the letters between CHASE and XXXX and the original XXXX statement along with the real estate sale of XX/XX/XXXX and my deceased XXXX XXXX XXXX XXXX XXXX I just completed my fifth phone call with CHASE and the manager ( third up the chain ) will call me in XXXX business days but they would not give me an email or an area code or a name -- so this call might just go to spam. We ask for the services to be credited to our account ( {$240.00} ). We will probably just stop using CHASE as our other cards have never been this difficult.
Product: Credit reporting or other personal consumer reports

This account has been classified as charged off since XX/XX/year>, and this designation has persisted month after month. However, it's important to note that a charged off account should not be included in active payment history. This inaccurate reporting can affect the status of limitations unfairly. Your failure to conduct a proper investigation into this matter has violated my rights. Thus, I insist on the deletion of the following account : XXXX XXXX XXXX
Product: Credit card

Discover Bank is in Breach of my card member Agreement. Please see attachments.
Product: Mortgage

Earthquake Insurance was inadvertently paid from escrow. Per prior complaint Shellpoint indicated they put a stop payment on their check and credited my account the {$530.00} incorrectly paid. However, according to the Annual Escrow Disclosure Statement dated XX/XX/2022 this is not the case. There is now a shortage i my Escrow account and there is no credit of the {$530.00} to my escrow account. This is fraud!
Product: Debt collection

On XX/XX/23 I left a voicemail requesting that the company verify their name, address, and professional license number before proceeding to discuss a debt. 
The representative who called me back falsely alleged I owed over $ XXXX and refused to provide a professional license number with which I could verify their legal standing to collect debt in North Carolina.
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, and 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 states a consumer reporting agency can not furnish an 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

Per TransUnion I obtained a secured loan in XX/XX/year> for over {$2900.00}. I did not apply for this credit. I never received a call or a letter from this company. I called the information provided on my credit report and the company XXXX XXXX XXXX XXXX XXXX they have no knowledge. This is the 2nd time I filed a complaint. The company requested information from me that they should have if I was extended credit or if I obtained a loan with them. Please have this company provide a TIL statement and a promissory note.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I old the card like XXXX and they add interest of XXXX, of total of % XXXX i call to see if they can reduce the amount to what really i old, and XXXX of the costumer services star talk to me agresive and say he dont care, he dont old money iam who old the money. this happe today at XXXX pm- XXXX/XXXX/XXXX. 

I dont pay any money becaus ethe action of the worker, and i call back to talk to a XXXX  but he refuse to collect the correct amount.