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

Hello, my name is XXXX XXXX and this is my third attempt to mediate this current dilemma. I have attached my exhibits and identification for your review. I look forward to your prompt attention.

Coronavirus Aid, Relief full Accommodation was not applied after i was promised.. 
XXXX XXXX XXXX/ XXXX CREDIT CARD XXXX XXXX XXXX Attn : XXXX DISPUTE ACCOUNT # XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CONGRESS COLLECTION- claims medical debt as of XX/XX/2016 for {$1600.00}. Validation letter sent requesting proof original contract with original signature, payment history and etc. No response. Dispute with XXXX  with no update information. No details were provided for such medical claim. At the time the date listed above I was leaving in XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX    , Nationstar Mortgage negatively reported the status of loan account #  XXXX  on my credit report. This account was surrendered an d discharged in   my chapter  XXXX  bankruptcy on  X/XX/2017   .
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXX 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.
Product: Debt collection

I have been going and going around with this company since XXXX 2015. I have paid this debt in full to them. I have sent copies of all my payments to them by fax, called to discuss this 9 times and never get it resolved. I never get calls back and get different balances when I call. They have threatened with garnishment and still have incorrect balances. This debt is paid in full and are very frustrated over trying to resolve this. I have also sent a letter to the court!! HELP!!!!!
Product: Credit reporting

Experian is refusing to remove an old account XXXX XXXX account number XXXX that is not attached to another account and it has been on my account since 2005. I have never paid on this account nor am I familiar with it. I am asking for it to immediately be deleted from Experian report. I am also attaching a case number for a police report, for fraud and fraudulent inquires, please apply extended credit for seven years to credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account on my report that I am not responsible for labeled XXXX XXXX XXXX
Product: Student loan

My federal student loans were handled by Nelnet before they were transferred to XXXX. While with Nelnet I tried to make payments to my student loans. I was a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX. I was told I was not allowed to make payments to my student loans at that time because I was still a student as well. At the time I had the financial means to do so, but Nelnet insisted I was not allowed to and stonewalled me. I have completed over 10 years in XXXX XXXX and additional time in the XXXX XXXX. My loans are federal and I am part of XXXX. I believe my loans would be either already be forgiven or with the legislation they would be eligible. 

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

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I've contacted them several times and they with no resolution. XX/XX/year>, XX/XX/year> and XXXX XXXX those dates are that i attempted to call to clear this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect that a debt collector has intentionally re-aged my debt. This is a 5 year old debt, from XXXX, that was closed and written off by the original company. Following this, it was deleted off all my credit reports. Now, years later it has popped back up and with a date of origin in XXXX. This is not remotely accurate.
Product: Credit reporting or other personal consumer reports

Please update the late payments remarks and status from my credit report. Status are cause of pandemic, please help me about this status and remarks for me to increase my credit score, as we badly needed to pass on our mortgage inquiries. I have never been before and after on pandemic, i hope you understand and help regarding on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly frustrated that WELTMAN, WEINBERG & REIS CO., LPA have failed to take immediate action to remove this account from my credit report after I have asked for the information, which I am legally entitled to according to FCRA multiple times. WELTMAN, WEINBERG & REIS CO., LPA have flagrantly violated the Fair Credit Reporting Act ( FCRA ) by not marking my file as disputed, not providing me with a signature to validate the debt, and refusing to investigate my dispute for an account number ending in XXXX. If this inaccurate account is not removed from my credit report, I will not hesitate to file a complaint with the Federal Trade Commission ( FTC ) as this is a serious matter. I insist that you take the necessary steps to ensure that the inaccurate information is removed from my credit report.
Product: Money transfer, virtual currency, or money service

Hi and thank you -- -- iam living in Michigan and received XXXX  in past into a bank of america account and have a phone app to see amount etc -- - they recently transferred to another bank ( XXXX XXXX ) I don't have a tv and can't read all mail I receive every day and was under the impression that you could take your money out or they would transfer to ( XXXX XXXX  ) and I would receive a card I never did -- -- now for numerous weeks trying to contact michigan XXXX  which is very hard to do, well finally got through they say I need to contact bank of america and that they haven't taken my money, well when I look at phone app my money still there and I contacted bank of america they say I have to contact michigan XXXX  and so this has been going back and forth via phone calls and text etc when all the time iam almost on the streets iam a veteran but receiving no pension because I didn't retire from military but only working XXXX hours a week because work reduced hours covid situation so need my money yesterday -- -- - please help I tried to call you but not easy to get through to anyone so trying this method -- -- thank you so much XXXX XXXX XXXX XXXX this isn't just about a transfer but getting my money out of account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" FedLoan Servicing '' added late payments to my account that was false even added an extra month of late payments. 
XXXX assumed this role without permission not only that they did not have my consent. XXXX did not respect my right to privacy which is under 15 USC 1681 a number 4. 
XXXX did not exercise grave responsibility, they were unfair, they were partial. 
Im taken the liberty to file a CFPB report and an attorney general 's complaint. 
XXXX never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( FedLoan servicing added late payments to my account that was false even added an extra month of late payments )
Product: Credit card

I noticed monthly XXXX charges hitting my Merrill Lynch credit card in the amount of {$59.00} after 4 months of getting hit wit these charges. I tried to phone XXXX  to track why I was getting charged as I couldnt see an open membership account with them although I had done business with this merchant before. The rep offered no information or assistance so I went to Merrill Lynch and asked for help in disputing the charges. The rep took all of my info, said it would be submitted. A while later, I receive a letter from Merrill asking me to author a letter to them detailing how I was a victim of identity theft. I phoned Merrill and said it was not id theft but a simple billing dispute. The rep said no problem, took all the info again via phone. 1-2 weeks later, I receive ANOTHER letter from Merrill asking me to essentially author another letter to them detailing all the info they already had received from me ( twice ). I tried to phone the number on the letter. The department said they were not the ones handling it, they kept sending me to another and another department, each time on hold for 2-30 minutes in the queue until they hung up on me eventually. I tried phoning over the course of 3 days, approx. 30 times and this occurred each time. My husband is experiencing EXACTLY the same with Merrill Lynch credit card dispute - letter, oh, wrong department, we don't handle, wait in queue, get hung up on. I just closed my account, I have lost {$240.00} in charges that they charged back to me that I had to pay to close out with them. There is something evil going on here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and mailed in my identity theft report to Equifax, XXXX, and XXXX  and have not gotten any response. I am currently at a standstill trying to get into a new living situation because they have not solved this problem.
Product: Debt collection

I contacted CBC LLC regarding this balance of {$200.00} and they confirmed they had no record of this debt within their system. I am asking that the credit bureaus remove this debt from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.
Product: Credit reporting or other personal consumer reports

At the point an time when this account was open I was XXXX  in the XXXX XXXX XXXX XXXX I was released on XX/XX/year> after serving a 11 year sentence this is not my account I have been a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian fraud dept. trying to remove unauthorized hard inquiries off my credit report, the representative refused, and misinterpreted what I said and refused to remove misspellings of my name ; or help at all, at my request she took my number and stated a supervisor would call me within 24-72 hours
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Debt collection

I attempted to resolve the debt with ERC on XXXX in the amount of {$49.00}, charges were paid to remove this account from all credit bureaus and not collect any more fees. Its still effecting my credit please remove this account from my credit.
Product: Debt collection

In 2022, I was contacted by a collection agency on behalf of XXXX XXXX XXXX. I was informed its located in XXXX XXXX ; I was being contacted in-regards to a debt for there client The balance owed was a little over {$5000.00} dollars I told the rep I had never lived at XXXX XXXX ; On my credit report its reflecting the start date was XX/XX/2022 I was living in North Dakota at the time and I have my lease to prove I signed my new lease XX/XX/2022 at XXXX XXXX XXXX XXXXXXXX ND  They requested for me to send it along with a notarized affidavit they've stated they haven't received it as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$2100.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX {$7500.00} XX/XX/XXXX
Product: Student loan

I requested a refund for payments I made during the COVID pause because I overplayed my loan ( because it will now be completely forgiven under Bidens loan relief plan. I know I can request the refund thanks to the Student Aid website XXXX XXXX XXXX XXXXXXXX I called to request a refund on XX/XX/XXXX and was told it would take 120-150 days to receive my refund. This is ridiculous because it is 7 months of processing time. I am now seeing people online ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) saying their refund time have been quoted for up to 1 year. This is scary because I need to apply for forgiveness and I am afraid I will get forgiveness for one part only for the refund and overpayment to be credited to my account much later. This would mean the money I originally paid would go into my account, not be forgiven, and then collect interest so that Id pay even more than I did originally. This is unfair and predatory. Other loan providers, like XXXX XXXX is only taking 1 week to 1 month. Not only that, but EdFinancial refuses to provide any written record of the fact that Ive requested a refund or that its been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was reviewing my credit report and i realize i have those accounts ( XXXX XXXX ) AMOUNT OF {$1800.00}, ( VANCE & HUFFMAN LLC, i need an investigation to these accounts that it don't belong to me.
Product: Debt collection

On XXXX XXXX, I sent a certified letter to National Recovery Agency. This company did received my certified mail and failed to validate this debt. 

Name : National Recovery Agency Address : XXXX XXXX XXXX XXXX, PA XXXX Re : Account Number XXXX Amount : XXXX I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and them bearing my signature. I don't have or have had any business with this company in the past or currently. Instead of sending me the documents requested. The National Recover Agency committed a clear HIPPA violation. I did not sign a HIPPA form authorizing National Recovery Agency to access any of my medical records. My HIPPA rights and privacy has been violated. This has a severe negative affect on me as a consumer and is in violation of the fair credit reporting act and HIPPA. This company failed to validate this debt and put this item listed above on my credit report which is causing me extreme financial hardship. I demand that this negative information be deleted immediately from my credit files with all 3 major credit reporting agencies not to resurface on my credit file again.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2600.00}, {$21000.00}, {$23000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account. 

-- CLOSED ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Product: Credit card or prepaid card

I called chase and requested a payoff amount so that I could close my Credit Card. I was advised by representative from chase that {$4400.00} was the amount needed to payoff my card and close it out. We sent the amount and on XX/XX/2018. This paid the balance and on XX/XX/2018 I received a check in the mail from Chase for {$100.00}. I was confused so I called. I was advised that this amount was sent back to me because we overpaid. I asked if the account was closed and the rep advised that it was. I assumed my account and dealings with chase were over. About a month later I received a bill in the mail saying I owed chase {$52.00}. I called and was advised this amount was interest charged to the account. I attempted to explain that chase sent me a check for {$100.00}. The representative advised that should not have happened. She advised me I would need to pay the interest or they would report it to my credit. I have attempted to resolve this issue with Chase. However they charge me {$15.00} fees every month that this mystery interest is not paid. I did my due diligence. I called and asked how much the payoff was. I called and asked what the check was for. I was advised the account was closed and now all of a sudden I owe them more interest. This is very deceptive and has damaged my credit report. We paid a large amount of interest to chase while the card was opened and now after i have closed the account with the information they gave me. They are advising I owe them more. If I owed them {$52.00} why did they send me {$100.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to solve a problem with the credit bureaus because they are reporting inaccurate information that is affecting my credit score.

Please investigate about my case.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I checked my credit report on Equifax, Transunion, and Experian, and they all show my current address incorrectly. 

The only address that should be on my credit report is my current address : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. To rectify this I've supplied my recent utility bill for my current address.
Product: Credit reporting or other personal consumer reports

The account with XXXX XXXXXXXX XXXX listed on my credit reports as " XXXX '' on XXXX and " XXXX XXXXXXXX XXXX XXXX XXXX XXXX' on Experian, was closed on XX/XX/XXXX. However, I am noticing late payments being reported incorrectly. The account is showing four 30-60 day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report XXXX along with one 30-day late payment on XXXX, and four late payments on Experian. This account was never opened fraudulently, and I did not authorize the late payments being reported on this closed account. I request that this discrepancy be investigated, and the incorrect late payments be removed from my credit reports.
Product: Debt collection

When I called I asked for a pay to delete if I paid in full and on a recorded line I was informed yes. Now today I called back asking for a confirmation letter and the supervisor informed me that they do not pay to delete so I was lied to on a recorded line Supervisor name is XXXX XXXX from First Credit Services.