23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I mailed out letters to XXXX, XXXX, EXPERIAN certified, they received them on XXXX XXXX. 
I received a stall tactics letter ( below is what was said. ) I used information that is available to everyone and they denied my letters also provided my ID and Social as proof it was me and used a mail service to send out the letters. 

Letter from XXXX - We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. 

We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. 

It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If you've hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at transunion.com/repair letter. 

If you feel you received this letter in error, please contact us to confirm your identity and the information you wish to dispute. You may do this by visiting transunion.com/credit-disputes and selecting " Start Dispute '' or you may contact us by phone at XXXX Monday - Friday XXXX - XXXX Eastern and on Saturday & Sunday XXXX - XXXX XXXX, excluding holidays. 

You can count on us as a resource as you work to achieve your credit health goals - we want you to be able to get the financial opportunities you deserve. 

Sincerely, Your TransUnion Support Team Please do not reply to this e-mail. This mailbox is not monitored and you will not receive a response. 

FCRA states that all Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency XXXX continue to report information it has verified as accurate. Upon receiving notice, the documents sent are certified mail.
Product: Credit reporting or other personal consumer reports

I have requested Experian to update my Credit Report to reflect the payoff of my student loans. I have been requesting this from Experian since late XXXX, XXXX and my previous student loan provider, XXXX, has assured me they have provided my payoff information, and subsequent {$0.00} account balance to Experian on XXXX separate occasions - during the course of regular reporting on XX/XX/XXXX, and XX/XX/XXXX, as well as XX/XX/XXXX, and XX/XX/XXXX, as a result of Experian investigating my dispute submission. XX/XX/XXXX was the original submission, and XX/XX/XXXX is the date I added an additional supporting document. 

I have tried to resolve this with Experian, and requested to speak with supervisors, but each time I requested a supervisor, I was placed on a lengthy hold, and hung up on without ever speaking to anyone - when it happens XXXX times in succession, it seems like it's more of a business practice than an anomaly. 

I have been working exceedingly hard to fix my credit, and have done all that is required. I'm just asking now that my score be accurately reflected, and reported. Experian continues to report an inaccurate balance, and account status for my XXXX account, and I want it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I paid a total of XXXX to XXXX XXXX as my final payment before moving out. The payment was done with a cashiers check dispensed through my bank, XXXX XXXX XXXX XXXX XXXX XXXX. I have proof of the check. 

XXXX XXXX submitted the payment on XX/XX/2019 into their system. I also have proof of their records as they have given me a copy. 

Months later I received a copy from National Credit Services that I owed the same amount described above ( case number XXXX ). 

I called the apartment office to let them know of the letter received from National Credit Services. I was told it would be corrected from their end. Over a year now, this collection is still under my credit report. Please let me know what to do in order to have it removed. 

I did call National Credit Systems and was advised to mail in proof which I will. I am in the middle of refinancing my home and this collection is keep me from having an excellent score. Please advise me on the proper steps to get this removed. It seems that mailing my information will still be lengthy process. 

Thank you so much for your time.
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, suggesting possible identity theft as I did not authorize these accounts. I've previously addressed this issue, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing me significant stress, as they do not reflect my true credit history or financial behavior, making it challenging to manage. If resolution isn't achieved, I'm prepared to seek legal recourse to safeguard my rights and find a solution. These inaccuracies are hindering my ability to achieve important financial milestones, such as homeownership and supporting my family. I earnestly hope for a swift resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I saw a suspicious payment on my Lowe 's account through Synchrony Bank. I contacted Synchrony bank and they agreed. Because the credit card used in the fraudulent was non-existence, the payment defaulted. The following XXXX the same situation occurred. Once again I contacted Synchrony Bank. They agreed it was fraudulent and issued me a new Lowe 's card. XXXX days ago I received, in the US mail, a notice from Synchrony Bank that they had closed my account due to XXXX defaulted payments, the XXXX payments above. I contacted Synchrony Bank and was told there was nothing they could do because THE SYSTEM, closes down any account that has a default payment. XXXX questions I asked- was the account delinquent when the fraudulent payments were attempted and was it delinquent now. Answer to both questions was " NO '', because I had made ALL payments on time. So now my credit rating which had been in the XXXX 's will suffer from the SYSTEM action without any human review. So now any credit inquiry will be affected by this erroneous information. I don't accept the " there is nothing we can do '' answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mr. Cooper is wrongful reporting information on my credit report and has done nothing to address this error. After multi calls, emails and complaints they continue to ignore their error and do nothing. They have even admitted to receiving the payoff on the XXXX of XXXX yet they still reported me 30 days late that month. 

Their information is incorrect and that is why I am making my complaint. I can share my credit report with whom ever would need to review it to verify my credit history and character. A large company like this should treat their customers and Veterans better. Even if their information was correct, which it isn't why was no attempt made to contact me during those 30 days? After perfect mortgage history with them I just all of a sudden missed a payment. Further more they admitted to receiving the pay off XX/XX/XXXX yet they reported me 30 days late in XXXX of that month, how is that possible? This company is doing nothing to fix their issues and are further causing undo stress and hardship on a XXXX veterans family.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021, I sent a certified letters to the American Adjustment Bureau. I have not received anything from them bearing my signature only an itemized list ( enclosed ) from XXXX XXXX XXXX XXXX. Enclosed is my credit report and they have still been reporting this inaccurate item as of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts be removed because according to 15 USC 1681 I have the right to privacy. I did not give Equifax permission to furnish these accounts. 

Accounts : XXXX XXXXXXXX bankruptcy - Public record XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX All inquiries listed on my account
Product: Student loan

Today I logged on to see my student loan account online on Nelnet. I have been mailing my monthly payments for the amount requested on my account statement I get every month from Nelnet.

Nelnet has been the new loan service provider since early this year ( XX/XX/XXXX or XX/XX/2018 ). I was shocked to see that since XX/XX/2018 until today ( XX/XX/2018 ) 100 % of my monthly payments have been applied to interest only - and per Nelnet Customer service this will continue every month. I understand that usually a large portion of the monthly payment goes to interest ( even though I've been paying these students loans for over 10 years now and the original principal is greater because some interest have been capitalized ) but the payment history shows since Nelnet took over my student loan, Nelnet has not been applying ANYTHING against the principal.

I called Nelnet today XX/XX/18 and was informed that payments are being applied according to my payment plan. How did Nelnet decide that? Again, Nelnet took over my student loan ( without my consent, I never signed anything with Nelnet ) and apparently has started to apply the payments differently than the previous company that had my loan. The company that serviced my student loan before Nelnet did apply a portion of my monthly payment to the principal. How can I ever finish paying my student loans if my payments are applied to interest only. Again, the amount I'm paying is what Nelnet is asking me to pay.
Product: Credit reporting or other personal consumer reports

Disputed XXXX XXXX XXXX XXXX several times with Equifax. They never supply the verification information. Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Equifax uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Equifax routinely and uncritically accepts the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when Equifax has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Equifax sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Debt collection

To whom it may concern : I submitted two dispute letters certified mail acting in good faith, showing delivered on XX/XX/2021 and another one on XX/XX/2021. I disputed this account and the inaccuracy of this inaccurate, invalidated, unveriable debt on my credit report. I asked KIA Motors for my verified signature and how they validated this inaccuarte account and all the corresponding information. They have not responded not once in over 45 days. Not only have they violated multiple rights they're also hurting my ability to obtain good credit. They are reporting to the consuming reporting agencies inaccurate and unverifiable information. I didnt authorize this debt to be on my report. They are reporting in error. Provide me proof of signature and proof of debt of {$720.00}. This debt is inaccurate and does not belong to me. I asked them to investigate this account and immediately delete this account or update my credit report to positive/current. It's been over 45 days with no results. I did not consent to, authorize nor benefit from the following account. Please remove or correct my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is for you to notify that I want to request the complete accuracy of the accounts listed here. I am disappointed about this issue and for this reason, I want you to conduct an immediate investigation to update these information with the correct accounts on my credit report. I am submitting this CFPB complaint in response to the recent investigation. I do not agree with the findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus XXXX XXXX Balance Owed : {$510.00} - Your listing contains multiple errors that are significantly damaging to my credit score. The balance, payment status, and date of last payment that you have reported are all incorrect, and I dispute their accuracy. Let me be clear : I have never been late on any payments, and I have always made my payments on time. Therefore, I demand that you update my credit report immediately, as required by law, to reflect the accurate information. XXXX XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that the item on my credit report is not only inaccurate but also completely false. The account in question is closed with a zero balance, yet it is being reported as past due. I demand that you rectify this error immediately, as this false reporting is significantly damaging to my credit score and reputation. XXXX XXXX XXXX Balance Owed : {$2800.00} - This account 's payment history and status are disgustingly inaccurate. A charge-off MUST show a big fat zero balance, no exceptions! Your careless mistake is screwing up my credit and I won't tolerate it any longer. Either provide solid proof of the last payment, or get this garbage off my file ASAP! XXXX XXXX Balance Owed : {$160.00} - The payment history and status on this account appear to be inaccurate. According to policy, a charge-off should have a balance of zero. This misinformation is negatively affecting my credit, and I kindly request that you provide proof of the last payment. If this can not be provided, I would appreciate it if this information could be removed from my file.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( BlockXXXX. ) ( due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process XXXX XXXX XXXXXXXX deceptive, as they XXXX XXXX XXXX' ) comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX : # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX : # XXXX, 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  has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 sent a letter on to remove ITEMS that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any ITEMS or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

on friday XXXX i deposited my paycheck in the amount of {$3300.00} into my chase checking account. the receipt should that {$500.00} was available right away and the rest would be available saturday XXXX i transfer {$500.00} to my savings account and setup my 2 chase credit cards to be paid on saturday and sunday. extremely early on saturday morning chase woke me up with a text that my account was overdrawn. it appears there auto teller some how messed up and the they reversed my entire deposit. you should note that the bank was open on saturday and they did not reach out to me regarding this. furthermore they canceled one of my autopayments to there Credit card and that account will incur both a late charge and interest due to there error and or issue with processing my deposit. why did they not call me? if the check was destroyed due to a malfunction with there lobby auto teller i could have brought them a new check since i own the company that wrote the check. You should further note that i have other checks pending on this account that i mailed friday as they told me the funds would be fully credited on saturday. once all the payments clear i will still have a postitive balance of over {$1100.00} us dollars.
Product: Debt collection

In the past 6 month I am currently receiving calls and notifications from the company : INDEPENDENCE CAPITAL RECOVERY LLC, with address in XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; name of the person is XXXX XXXX and phone number XXXX. 
This company is calling me every day and I told them to stop calling me or my relatives because I have a company in charge of my debits account. They continue with their threats to sue me, but in compulsive way and completely outside the legal norms. In these 6 month they have been contacting other people related with me, for example my Landor XXXX XXXX, my mother XXXX XXXX, my sister XXXX XXXX ; they are telling my relative that they going to sue me and giving these relative information about my personal information or at least informing them of my situation with that company. 
I have a company in charge of all my debit accounts XXXX XXXX XXXX and this company know, because they send to Independence Capital Recovery LL a letter with all the information 's and asking them to worked together about this account. 
I need your help with this because a didn't refused to pay my debit, but they need to worked with the company that I have in charge of my debit and STOP calling me or my relative.
Product: Debt collection

XXXX XXXX  is being reported on my account by EQUIFAX MULTIPLE times. Different account numbers or no account numbers at all. This is negatively affecting my credit report in numbers of ways. I have reached out multiple times and have not received a response. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they provide. Section 611 of the FCRA grants me the right to dispute any inaccurate or incomplete information contained in my credit report. Upon receipt of a dispute, the credit bureau is required to conduct a reasonable investigation and, if necessary, correct or delete any information found to be inaccurate or incomplete. 



Furthermore, the Metro 2 reporting guidelines, which provide the standard format for reporting consumer credit information, explicitly state that duplicate accounts should not be reported. Section 2.3.2 of the Metro 2 Credit Reporting Resource Guide outlines that " a trade line ( account ) should not be duplicated or reported multiple times. '' I have provided the relevant details of the duplicate accounts below for your reference :
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!