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

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Student loan

I have a private student loan with Navient. A repayment amount was set and I tried to see if it could be lowered several times to no avail. I continued to struggle to pay the aount of XXXX every month. I signed up to have the money deducted automatically out of my checking acount. In XXXX 2017 I noticed that no amount was withdrawn from my checking account from Navient, so I contacted customer service to to inquire why that was. They told me that they were checking into the issue and would get back to me ; That did not happen. Then it happened again in XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Today XXXX XXXX, 2017 I received a letter in the mail from the collection company XXXX stating that Navient has sent me to collections. How is it that I am sent to a collection agency when I have made payments on time and attempts to figure out why the payment ceased to be withdrawn from my account?
Product: Credit reporting or other personal consumer reports

noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired XX/XX/XXXX XXXX XXXX
Product: Debt collection

Eastern Account Systems has a XXXX amount of {$100.00}. I never received notice of the debt. I only discovered this debt because I have an XXXX membership and my phone alerted me of a decrease of my credit score with XXXX. 
When following the dispute efforts through XXXX, they responded that it was valid. My complaint argued they did not notify me or give me a chance to resolve prior to reporting. 
When contacting XXXX they said it was for equipment back from XXXX. I returned that equipment along with a printout of my account number. Its been too long and they can not verify. I asked them to recall the debt to give me a chance to reconcile and they refused. Eastern account systems hung up on me twice when asking to validate the debt.
Product: Vehicle loan or lease

Date of incident : XX/XX/XXXX Total Amount of incident : {$60000.00} On XX/XX/XXXX @ XXXX XXXX  EST, which is 18 hours ago from the time this complaint was submitted. I received an email from an internal email address assigned to DRIVE FINANCIAL SERVIES LP. I thank you for the email bearing a two page copy of the Retail Installment Contract, however I do believe there is more and I would like a copy of the complete installment agreement signed on XX/XX/XXXX. Included with this request, I seek to receive a copy of the 1099C and a copy of both sides of the ledger. Ledger dates should include the date of purchase through and including the date the vehicle was sold. Make sure to include with the ledger the amount the vehicle was sold for ; and all charges pursuant to TILA and the FDCPA.

This information is due back to me no later than 5 calendar days, weekends included. If this date is not met, I will file my intent to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Equifax are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to receive calls about a year ago from a collection agency claiming to be collecting a debt from a payday lender. I informed the company that I have had a payday loan and requested on multiple occasions that they provide me with any information that had related to the debt and to no longer contact me via phone. To date, XX/XX/2018, they have failed to comply with either of my requests. They are still reporting inaccurate information on my credit file. They have not provided any substantiating data related to the debt in the time allowed by the FDCPA and they continue to contact me via phone. It is my contention that this company has violated multiple federal laws and they refuse to respond to any requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
Transunion is the only bureau that granted me a freeze and fraud alert. 
XXXX  and transunion refuse to grant me a copy of my credit report. 
XXXX and XXXX refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.
Product: Payday loan, title loan, personal loan, or advance loan

I don't understand why my loan amount was {$1800.00} and I pay every month but my balance doens't go down and my payment keeps going up. I have paid over {$8000.00} in 1 year.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$430.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a collection agency collecting for XXXX XXXX  in the amount of {$150.00}. I dispute was sent to the collector and all three Credit Bureaus over 60 days ago. No one has responded as required by the FCRA and XXXX to prove ownership of the debt by purchase order, itemized billing statement, and a signed contract bearing my signature and identification. An entity simply can not demand payment without ALL of these documents. Since it is has been over 30 days ... Initial contact made to all parties including the Credit Bureaus on XX/XX/2020, this item MUST BE REMOVED FROM ALL CREDIT REPORTS or legal action can take place because it is hindering my quality of life wherefore monetary compensation will be demanded in the court of law.
Product: Debt collection

Dear cfpb, I am writing to formally dispute a negative item that has been placed on my credit report without my authorization. The entry pertains to MIDLAND CREDIT MANAGEMENT INC, which I did not give permission to access my credit information or report any debts.

This action is a violation of the Fair Credit Reporting Act ( FCRA ), as the inquiry was unauthorized, and I have not agreed to or opened any account with this third party. Additionally, I request that you investigate this entry immediately and remove it from my credit report, as it is both inaccurate and unauthorized.

Please remove this unauthorized entry and provide me with written confirmation that it has been removed.

I look forward to your response within the legally required 30-day period. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX  was opened fraudulently please investigate and remove it.
Product: Student loan

In XX/XX/XXXX I spoke with a representative from Sallie Mae regarding a missed payment and an account past due fee. I paid my past due amount during that call and the representative discussed repayment options with me. At that time I was on a graduated repayment schedule that from my understanding was a 15 year term at $ XXXX payment. During this particular call I was told about other repayment options but it was never discussed with me over the phone that changes made to my repayment plan would result in an extension of the loan to 27 years with XXXX additional years of interest only payments. On XX/XX/XXXX Sallie Mae sent information regarding those changes to my personal email account with the loan terms but I did not understand at the time that the changes were already in effect and how this would impact me financially. 

I have been under the assumption since XXXX ( when my loans became active ) that I was on a 15 year repayment schedule. I chose this schedule only because I was told that I didn't qualify for income based repayment and I could not afford the standard level monthly payments at the time. I was mislead into " consenting '' to an extended level repayment plan over the phone in XX/XX/XXXX. I would have never knowingly consented to a plan that resulted in 12 additional years of payments ( 27 years total ) and added interest. My loans are now owned by Navient and the information sent from Sallie Mae is no longer available for me to view. I spoke with XXXX today, a manager at Navient, and was told that if I change back to a standard level repayment plan it would now result in a monthly payment of {$1700.00} because of the accrued interest. The other option presented to me was to change to another plan that will result in 2 years of interest only payments all over again. Of note, I have worked in higher education since XXXX and was also told that I didn't qualify for public service loan forgiveness either because of the payment plan that I'm on. 

I attached a copy of my monthly statement. Since my loans are now managed by Navient I can no longer view past emails from Sallie Mae that described the repayment plan in question.
Product: Checking or savings account

Spoke to an individual by the name of XXXX, I believe his name was who was investigating unauthorized charges on my checking account, today XX/XX/XXXX from Wells Fargo Bank. Refused to give me his last name, told me it will be on the e-mail he sends me which he has not. 

I opened an investigation regarding unauthorized charges on my account from " Changed Gold Coins '' XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XX/XX/ {$500.00} XXXX {$500.00} XX/XX/ {$500.00} XX/XX/ {$400.00} XXXX {$200.00} XX/XX/ {$300.00} XXXX {$300.00} XX/XX/ {$300.00} XX/XX/ {$300.00XXXX XXXX {$500.00} XX/XX/ {$300.00} XX/XX/ {$300.00} Totaling {$5900.00} in unauthorized charges. 

After speaking to XXXX today, he told me there were more similar transactions on my account that I was unaware of and because they sent verification authorizations to my e-mail address ( which was hacked ) and phone which I switched providers on last week because of ongoing issues, that he is deeming these as valid transactions. He asked me if I tried to reach out to the merchant I told him no because there is no phone number and I have no idea who they are. I asked him what the merchant said when he contacted them regarding this claim he told me he didn't even bother to try and contact them. 

This is extremely unprofessional and a a blatant refusal to try and help me with this issue. This claim needs to be taken seriously and something needs to be done to help with it. I don't care if they are claiming someone provided authorization via e-mail and/or phone for these charges, it was not be and I expect my account to be handled accordingly.
Product: Debt collection

In XX/XX/2017 I accepted a buyout with XXXX. XXXX had a 3 way phone call with me the same day- recieved all payments and closed both my XXXX accounts. I called XXXX  in XX/XX/XXXX and XX/XX/XXXX spoke with both a male and female who verified both months there were no further charges. XXXX  had reopened 1 account without my knowledge or notification. No bills were sent- no calls from XXXX. First agency removed themselves and appropriately corrected info- XXXX turned around and attempted to now triple bill with another collection agency. All calls have been recorded, need to be accessed and XXXX needs to not only fix thier mistake, but honor thier original calls.
Product: Checking or savings account

XX/XX/XXXX I linked my personal bank ( XXXX XXXX ) to my Union Bank  XXXX account and transferred {$10000.00} before going on vacation on XX/XX/XXXX. 

XX/XX/XXXX - While in vacation, someone accessed my Union Bank of California account, and initiated a link with " XXXX  XXXX XXXX ''. 

XXXX someone withdrew as a XXXX  XXXX XXXX XXXX an amount of {$30000.00}. 

XXXX I received on my phone a suspicious call from XXXX asking if I was XXXX XXXX from XXXX XXXX ( the account holder ), and if I did government work ( which I do ). The person said we could have some grounds to work together. I apologized and asked if he could call me the next day. I never received any calls from him again, and after learning of the fraud, I called his number-it just rang and rang. This week I called again and received a voice recorded message from XXXX stating that the number was disconnected. 
When we came back stateside, I checked my account at the end of the day on XX/XX/XXXX, and found the transaction which I did not authorize, and immediately called the bank, spoke to an operator and was told that I needed to go to a branch during the week and report the problem. 
Went to the bank on XX/XX/XXXX and the representative ( XXXX XXXX ) called the bank IT department and was told that even though the transaction were labeled XXXX  XXXX XXXX the routing number where the money was transferred to was XXXX XXXX XXXX  into a company called XXXX XXXX XXXX in Florida. This, by itself, should have raised a red flag on their system. 
My wife called the fraud department of the bank 3 days after the claim was initiated and was told that they did not have any record of the claim and that the fault was ours for not protecting our information. Next day she went to the bank and was given a claim number. This week she went back to the bank and finally spoke to the business banking representative boss ( branch manager ) and was told that the bank would have to receive the money back from XXXX XXXX ( she was looking at the bank database ) and this could take 1 year. My wife showed her the transaction log showing money going to a XXXX  XXXX XXXX account and the manager corrected herself saying that it was XXXX  XXXX XXXX. 
I completely lost faith in Union Bank ; they have a poor online system to protect customers interest. Union Bank is in the process of selling the bank to XXXX XXXX  as of XX/XX/XXXX which has a more secure system. I am concerned with what will happen to this claim once it becomes another bank. 
I have XXXX XXXX XXXX on my XXXX  and XXXX, nothing was detected.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX/XXXX  2017 - 30/60 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

reporting of incomplete account numbers, incorrect dates of opening accounts, incorrect balances on accounts, different information of all three major credit bureaus reported inaacurately
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.

1. XXXX XXXX Account Number : XXXX 2. XXXX ( XXXX XXXX : XXXX XXXX ) Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX has violated my rights. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

CAPITAL ONE AUTO REFINANCE ON THEIR SITE SAYS THEY WILL GIVE YOU A FREE QUOTE WITHOUT AFFECTING MY CREDIT. I GOT THE FREE QUOTE YET THEY PUT A HARD PULL ON MY XXXX  CREDIT REPORT DROPPING MY SCORE. I CALLED THEM AND THEY SWORE IT IS A SOFT PULL YET MY CREDIT REPORT SHOWS HARD PULL AND DROP SCORE BECAUSE OF. 

VERY MISSLEADING TO THE CONSUMER AND WRONG, NOW I HAVE TO SPEND HOURS TRYING TO FIX. I WOULD LIKE THEM FINED IN SOME WAY THIS IS WRONG AND FALSE ADVERTISING, COPY OF ADD, ATTATCHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

i first signed up for credit karma about 10 years or so ago, hoping to moniter my credit. 
over the last three or four years i kept getting pre-qualifying offers that said there would not be any harm to my credit file and now i have so hard inquires on my report i am not able to get a loan to buy a house that i have been trying to purchase. 
even after i asked not to receive anymore i do, and they will not remove any 0f the hard inquires.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX Account Name : CAF # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. XXXX 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 XXXX 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: Bank account or service

I was charged a monthly maintenance fee on an account that was once listed as " Free Checking ''. I never received notice of the account changing from a " free '' account to a " standard '' account - despite what the bank is saying. The new " standard '' account charges a fee of $ XXXX/mo if you do not meet certain criteria ( {$500.00} minimum balance ; {$500.00} minimum monthly deposits ; or XXXX years of age ), which my account did not meet. I did not observe this account for some time due to not needing to use it, and in that period of time I lost $ XXXX+ in fees to the bank. I tried to work with the bank in getting any of that money returned to me as no services were rendered, but I was not able to get anything from them, as they claim that the monthly fee is necessary for them to operate a dormant account.