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

I filed for and was approved for the TPD discharge of my Federal Student Loans. My XXXX balance is at {$0.00} showing the accounts Paid In Full and its the same with the Department of Education. My credit reports with all XXXX bureaus are still showing that I still owe the full amount of the loans and that the accounts are still open. This information is incorrect and I have disputed this with all XXXX bureaus and XXXX and even reached out to the Department of Education with no resolution to this yet except to wait up to 6 or 180 days for the information to change. I have had to look for new housing lately due to an abusive roommate that I have had to call the police on several times and have even been denied housing over the last month at several places because of the credit impact these loans are still having on my credit report. I should not have to get denied housing because this information is being reported incorrectly.
Product: Credit reporting or other personal consumer reports

XXXXm in distress in regards of my credit report and how the credit reporting agencies have failed me as a consumer. Ive continuously sent out disputes for them to investigate the matter at hand and they have failed to provide me with proof of how and where they have gotten that misinformed information. The accounts are reporting negatively on my behave and id like to resolve this issue as soon as possible as this matter has gotten on for too long.
Product: Debt collection

I called and them it wasnt me but the proceeded to harass me like I said nothing
Product: Debt collection

I logged into my XXXX credit 10 days ago just to check on my credit and noticed a collection amount of XXXX from Caine & Weiner. I had no prior contact and didnt get the opportunity to verify this debt only the report that appeared on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts reporting on my report that do not belong to me. I have tried to get them to remove it but they will not. 

- XXXX XXXX XXXX XXXX - XXXX - {$29000.00}
Product: Credit reporting or other personal consumer reports

In contempt of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the eaxct time based on law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE NOTICED THAT THEIR ARE UNAUTHORIZED ACCOUNTS THAT WERE OPENED USING MY NAME AND HAS IMPACTED MY CREDIT SCORE. I AM A VICTIM OF IDENTITY THEFT. THESE ARE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX THESE ARE FRAUDULENT ACCOUNTS THIS FOLLOWING CARD IS WITH XXXX XXXX AND I TALKED TO THEM ON THE PHONE FOR HOURS AND MULTIPLE EMPLOYEES HUNG UP ON ME WITHOUT SOLVING. 

XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE TOLD THE COMPANY THAT I USED THIS CARD TO MAKE RENT PAYMENTS BUT THE REST OF THE CHARGES WERE UNAUTHORIZED AND I HAD THE CARD STOLEN THE COMPANY DID NOT RESOLVE THE ISSUE AND NOW CONTINUES TO ADD LATE FEES TO MY REPORT AND ALSO COMPOUND INTEREST. 

THIS FOLLOWING LOAN WAS ALSO OPENED UP IN MY NAME AND THE COMPANY HAS NOT VERIFIED I AUTHORIZED THE LOAN AND NOW THEY HAVE CLOSED THE ACCOUNT BUT THE DEBT IS STILL ON MY REPORT XXXX XXXX XXXXXXXX THE CLOSED LOAN AMOUNT IS {$77000.00}
Product: Credit reporting or other personal consumer reports

I had previously reported a closed account on my credit report that does not belong to me by Experian, XXXX, and XXXX, the account in question is XXXX  XXXX XXXX account that shows as closed and delinquent, the credit bureaus were not able to provide evidence the account belonged to me because they do not belong to me.
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 XXXX XXXX XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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

XXXX XXXX suddenly closed all Personal Line of Credits and this is affecting my credit score badly. I have tried contacting them and they are not doing anything to fix this issue.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XX/XX/XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  from XXXX XXXX in XXXX XXXX. The original price was XXXX. When we were done signing it was XXXX. I was charged XXXX for financing. Also we payed for the XXXX 's Extended warranty for XXXX. Not even 2 weeks after the purchase we had to put it in the shop and paid close to XXXX for coil replacement, brake pads, rotors resurfaced and the window would not go up. We were told that there was nothing that they would do for us and won't pay for any of the damages. This never ran right and we were afraid it was going to brake down so we asked the to pick it up voluntarily. Our credit went down XXXX points. We are trying to get a home for our children and this has affected our credit. We paid for about 2 years and was never late on payment. I hope can help I do have all the receipts and paperwork still.
Product: Bank account or service

TD BANK USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... 
Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see ample amount of account showing on my credit report that I have never opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to reach out to this private owned student loan company to fix my issue regarding my payment history. I advised that it was impacting my credit score tremendously and my account is currently current and it is in deferment status because I am currently in school. The company refused to update my account to remove the delinquent payment status history. I advised them during those times I was working minimum hours or sometimes no hours at all. Once a time I was out of work and they work not willing to work with me only to receive some type of payment and pushing my account back further. The company doesnt try to assist with their customers or consider their situation and whats going on. We were even involved in a pandemic and I was one of the people who lost their job and they kept calling about a payment after I advised I was out of a job and trying to figure out my next plans. At this point I felt like I was being harassed, being constantly emailed, phone calls, voicemails, and even letters in the mail. The company does not care about their clients. I tried to advise them i was attempting to buy a house for me and my XXXX kids. Im a single mom and they delinquent status from them is heavily impacting my credit score. The dates are listed as followed : XXXX, XXXX, XXXX and XXXX of XXXX and XXXX, XXXX, and XXXX of XXXX. I have contacted the company multiple times. I even have emailed the CEO of the company. Nothing has taken place.
Product: Debt collection

I have opened several disputes the dispute on XX/XX/2019 shows that these two collections were deleted yet it doesnt seem that this has been updated on my credit report ( s ) mainly XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies 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 an account without my written instructions 15 U.S.C. 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason Account name XXXXXXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account info Account name XXXX  Account number XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX 
Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX, XXXX Account number XXXX Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  Account XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with EQUIFAX and XXXX evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Product: Credit reporting or other personal consumer reports

Dear CFPB I disputed inaccurate information with Experian in regard to this account XXXX XXXX XXXX XXXX XXXX Experian stated the information was verified and accurate and remains. After checking my credit report the information is still obviously inaccurate! On my Experian report the account displays an open date of XX/XX/XXXX but this account was actually opened XX/XX/XXXX. XXXX. The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! Those are clear inaccuracies that experian allowed to remain on my credit report. 
The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of my credit report from XX/XX/XXXX from experians website HIGHLIGHTING ALL THE INACCURACIES. Ive attatched results from the experian of them claiming the account remains with the inaccuracies still reporting throughout the account. NOT TO MENTION, i checked my XXXX credit report to see that this account isn't even being reported. How is it possible that XXXX and XXXX removed this account but not EXPERIAN, when XXXX XXXX is the data furnisher? CFPB Please force experian to delete this unlawful inaccurate account from reporting immediately! Ive asked for correction to account already twice! This is my right per FCRA to request the deletion of this account. FCRA ( a ) in general if after any reinvestigation under paragraph ( XXXX ) 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 promptly delete that item of information from the consumer 's file or modify that item. The continued reporting of this account puts both experian and XXXX XXXX XXXX  at risk of litigation where they will be lawfully obligated to pay {$1000.00} per inaccuracy reporting. All I'm asking is that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report in 15 days. XXXX XXXX XXXX XXXX XXXXXXXX THANK YOU
Product: Credit reporting or other personal consumer reports

I have told both XXXX and TranUnion that the XXXX account is not mine. XXXX tried and began changing all the information on it to match mine via phone and I hung up on them. XXXX did not care it was wrong on my credit nor did they care it was fraud. They insisted i filed paperwork with them but as they changed the account without my consent to try and blame me I do not trust this company. That was a year or so ago. I see it is still on my TransUnion file. I have told TransUnion repeatedly this is not my account. I also told them what XXXX did. Can you please have this account deleted. IT is not mine and both companies do not care.
Product: Payday loan, title loan, personal loan, or advance loan

In Re : Ace Cash Express Online Store I was trying to pay the loan off ( in full ) early to avoid a large interest rate and additional fees. When I tried to pay the loan off on XX/XX/XXXX, the website would not take my payment, nor would the customer service automated line, nor directly with a customer service representative. I was advised by customer service that I would have to go to the branch closest to me to pay the loan amount in full. I advised the customer service representative ( CSR ) that I was out of state and that paying at a local branch was not an option for me. I insisted that the loan be paid over the phone. The CSR said she didnt have the ability to take payment by phone. I called the Ace Cash office closest to where I live ( XXXX ) and that CSR advised he couldnt take my payment either since the loan request was all done online. He advised to go to any branch to make a payment. 

I had to go to a branch to pay the loan off, and even then, the branch said they would not be able to accept my payment. I had to insist that they call a member of management. As a legally XXXX customer, I found it extremely difficult to not only try to pay my loan off early, but to also have to physically go into a branch. I was able to pay the loan off within the 72 hour window, and was still charged for interest that had not yet accrued. When I went to the branch and asked for a copy of my loan docs, the representative said that she was unable to do that. 

I received the loan on XX/XX/XXXX and paid it in full on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and FIX : XXXX XXXX XXXX Balance Owed : {$3300.00} ; XXXX  XXXX XXXX Balance Owed : {$40.00} ; FB & XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I went to a XXXX company branch in XXXX to end my services with them. The month had just begun on the third day of the month. What happened, I canceled service at the store with a representative who gave me what I owed. and I paid it, the representative estimated almost two weeks for me to pay and pay, then almost a month later he sent me a letter issued on XX/XX/XXXX account number XXXX XXXXXXXX that I owed him {$49.00} for the letter from XXXX XXXX XXXXXXXX  I tried to contact them and they did not respond days later I called again and they told me that they do not have my information, what did they feel? I thought, well, I shouldn't, and to my surprise, I received another letter from a Collections company telling me that I owed them something. to XXXX the amount of {$82.00}, they told me that I should send them proof so that they could verify that if there is an error, show it, send them proof of the letter from XXXX with what I supposedly owed and before the date they requested that I had to send was on XX/XX/XXXX, I did not have a response to that clarification of mine and I was surprised that the collection company with the name DIVERSIFIED ADJUSTMENT SERVICE, INC, reported me to the credit bureau, I XXXX XXXX phone and an agent answered me who did not He let me talk and immediately told me to send it to the wrong address. I got upset and asked him to let me talk and he interrupted me, I couldn't say anything and he hung up on me, I called again and they didn't answer, I ended up in a message box called XXXX. In addition, I also sent that same letter to XXXX which also did not respond to me, I do not understand why they requested proof if they still reported me
Product: Credit reporting or other personal consumer reports

Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX reporting. Please see the submitted documents. The account needs tin be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX to reinvestigate XXXX XXXX account on XX/XX/XXXX, XXXX.They stated everything was accurate and completed on XX/XX/2023. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I asked XXXX XXXX serval times of date of last reported, date of last activity, payoff disclosure, credit insurance, interest rate. And the original contract with my signed signature on it according to the FCRA LAWS pertaining to my credit report. I did not receive anything from XXXX XXXX.
Product: Vehicle loan or lease

I notified Experian of identity theft they removed Inquiries but continues to report this Auto loan on my report XXXX XXXX XXXX XXXX I have reached out sent multiple verification letters they failed to provide anything yet still report this loan on my report
Product: Credit reporting or other personal consumer reports

I was reviewing my consumer report and noticed hard some inquiries that do not belong to me.