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

If I disputed accounts on my credit report and all the accounts came back verified by Experian ; Experian should by law disclose who verified the accounts. Anyone can look up a company address and XXXX number this is not classified as verification its public information ; this is my third attempt to get verification. I XXXX XXXX sent a dispute letter to Experian in XXXX disputing accounts being reported. XXXX, 2023 I received dispute results from Experian report # XXXX and all the accounts came back verified. XXXX XXXX, 2023 I sent a request for proof of verification 15USC 1681i. Experian has failed to send me names of persons who verified accounts. Rather Experian has asked me the consumer to follow up with furnishers instead of Experian showing proof of each person who verified the accounts I disputed. In my dispute results I was never asked why I was disputing each account, yet Experian verified all the accounts as accurate and when I asked for proof of the person that verified the account, Experian is giving me the run around showing proof. If these accounts were properly investigated Experian should be able to produce who verified each account, they are reporting as accurate.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Capital One Auto Finance reported my car as a charge off which is incorrect, the account is paid off. 

XX/XX/year> Capital One reported a closed paid charged off account. 

XX/XX/year> XXXX XXXX Bank reported pay off late and kept reporting negative items for 2 years
Product: Vehicle loan or lease

I have a car loan with santander consumer usa my social XXXX reason for my complaint they refused to put me on an extension im one payment due i recently made a payment on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Erroneous Reporting of Student Loan Accounts under FCRA Provisions Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate credit reporting by Nelnet concerning my student loan accounts. According to my records and supporting documentation, all ten of my student loan accounts were placed under forbearance as of XX/XX/year>. Despite this, each account was erroneously reported as 90 days late during the same period. 

I have already initiated a dispute with Nelnet and provided them with the necessary documentation that confirms the forbearance status of these accounts. Unfortunately, Nelnet has not rectified the inaccurate reporting, and this misinformation continues to be reflected in my credit reports by the major credit bureaus. 

The persistence of this incorrect information is causing significant financial distress, as it erroneously portrays my financial responsibility and hinders my ability to secure credit. This misreporting falsely indicates that I have ten seriously delinquent accounts, which is misleading and damages my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 611 ( 15 U.S.C. 1681i ) requires that consumer reporting agencies conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and correct or delete any inaccuracies found.

Section 623 ( 15 U.S.C. 1681s-2 ) obligates furnishers of information, like Nelnet, to provide accurate information to the credit bureaus and to correct any inaccuracies once identified.

Given the clear discrepancies between Nelnets reporting and the documented status of my accounts, I am requesting that the CFPB assist in ensuring these inaccuracies are corrected. Specifically, I ask for Nelnet to cease the incorrect reporting and for the credit bureaus to remove the erroneous entries from my credit report immediately. 

I have attached the relevant documentation that supports my forbearance status during the time in question and am prepared to provide any further information required. 

Thank you for your attention to this matter and for your assistance in upholding the standards set forth by the FCRA. 

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

On XXXX XXXX I received a letter from Equifax saying that an account was deleted from my credit report. The name of the company is XXXX and the letter was dated XXXX XXXX. The next week I received another letter from Equifax saying that they reinserted XXXX back on to my credit report and the letter was dated XXXX XXXX I called Equifax and told them it's against the law to delete a account and put it back on my credit report and that I wanted it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm demanding that these unauthorized accounts be removed and blocked immediately from my credit file. These accounts obviously was opened without my permission and at the time my wallet was stolen and identity compromised. If you or your companies can not provide me with physical documentation then these accounts shall be removed immediately. 

1 ) XXXX  {$410.00} 2 ) US Dept of Education {$3600.00} 3 ) US Dept of Education {$1800.00} 4 ) US Dept of Education {$1800.00} 5 ) US Dept of Education {$480.00} 6 ) US Dept of Education {$1000.00} 7 ) US Dept of Education  {$290.00}
Product: Credit card or prepaid card

XX/XX/2018, {$96.00}, This account is with Pay Pal through XXXX XXXX. They have charged me on last months balance instead of the current balance. I called them about this and they insist that it is stated on the back of my statement about daily balances. I am fully aware that this is the way it is done but on the current balance not the months before. I had a balance of {$5300.00} last month with a interest of {$110.00}. I paid {$2700.00} which left a Balance of {$2700.00} and they are charging me interest on {$4100.00} which is {$96.00}. I know fully well how to figure daily interest rates on balances and it is not this. I made the bill and am fully prepared to pay it but not be fleeced by a rouge financial institution that charges whatever they want whenever they want. I check interest amounts on all my accounts and have never had this happen on any of the others. I am very angry that people can get away with this type of thing and no one the wiser unless they know what to look for. OH!!! this makes me so mad, to think they are able to take advantage of myself and any other unsuspecting consumers and get away with it..
Product: Credit reporting or other personal consumer reports

I have noticed that XXXX XXXX has been reporting inaccurate and incomplete information to my consumer reports. i have sent dispute letters to both the furnisher as well as to the reporting agencies notifying them of the inaccuracies. the accounts have been investigated and verified as accurate. however i have not been provided the investigation reports, the information is clearly reported inaccurate and incomplete but yet it remains on my consumer reports. The assumed responsibilities of the CRAs is to promote fairness, accurate and complete credit reports, and as data furnnishers it is their legal obligation to provide accurate and complete information. After multiple disputes and challenges, no changes or deletions have been made, negatively impacting my financial well being. the account needs to be removed and deleted from my consumer report. the wilful noncompliance by the CRAs and the furnisher of this data are in clear violation of my rights, criminally liable to charges for each violation. Correct my consumer reports and hold violators responsible for the damages done.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Incorrect Reporting from XXXX I recently attempted to open a bank account with a different bank, but I was informed that they could not proceed due to information reported in my banking history. After contacting XXXX, I was told that XXXX XXXX  is still reporting on my account. 

I want to clarify that I paid off my balance with XXXX XXXX XXXX XXXX  and reopened my account. Despite this, XXXX is still reporting negative information to XXXX. I no longer have an account with them, yet this issue is preventing me from securing a business line of credit. 

I have contacted the XXXX branch multiple times, but I keep getting transferred between different representatives without a resolution. 

Please advise on the necessary steps to correct this issue as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company XXXX XXXX to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I sent XXXX certified mail explaining this and the fraudulent accounts that they are reporting are hurting my credit worthiness. they claim to have verified it with not contracts or agreements provided. What exactly are they verifying and where is the documentation showing my legal obligation to these fraudulent accounts. I have also contacted and reported them the the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is now a willful violation I demand a proper investigation show me a receipt of payment For XX/XX/XXXX ..Do not use the XXXX system.. 
PNCs Account payment history is in accurate and is a reason to delete the entire account off of my credit report attached is proof that it is in accurate the inaccuracy is harming me. I have disputed this multiple times and XXXX and Pnc still can not prove the alleged payment in XXXX of XXXX I have documented proof on The creditors ( PNC )  letterhead stating they never received a payment in XX/XX/XXXX, yet it shows that inaccuracy on my credit report. in XXXX of XXXX I disputed inaccurate information being reported on my credit report by PNC Bank I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, 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 Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous lettersall sent Registered mailstated my reasons for an investigation and these reasons were not frivolous in any way.
Product: Mortgage

during the housing crises my mortgage loan was being service by JP Morgan chase bank. After 6 years in foreclosure I receive a loan modification. I was under duress and facing the homelessness with my XXXX year old child I had no other choice. At the time of the modification the home was valued approximately {$190000.00}. Chase bank place a new loan on the of {$480000.00} this was unconscionable. Additionally this loan has a balloon payment of {$350000.00} on the loan maturity date. There is absolutely no way they value of the home will every be worth {$480000.00} and there is just now way that the home will be value at {$350000.00} on the maturity date of the loan. Chase did this knowing that there is just no way out. Recently my loan was transferred or sold to XXXX XXXX  XXXX  who has decline to help me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the information on the credit report is incorrect. The account in question is listed below : XXXX XXXX XXXX : {$12000.00}
Product: Debt collection

I was received phone call from Portfolio company and they keep telling i have debt need to settle. 
I asked them to send me Validation letter to proved i owed the debt they mention, unfortunately they never send me. It's been months and they failed to send me the validation letter. 
I been telling them stop calling me because i don't owed nothing with them but they keep calling me from different number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out Letter to Remove Inaccurate Credit Information from XXXX, XXXX and Equifax I received a copy of my credit report and found the following items to be in error below 1. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Payments on XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

11. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

14. The following account is not mine XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

15. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

16. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

& 18. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

I also Attached Letter I sent to XXXX, XXXX and Equifax
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block. Inc. ) due to inadequate Customer service And unfair Practices Which violate customer 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 was unfair and deceptive As they did not comply With error Resolution requirements under the Electronic fund Transfer act ( EFTA ) and regulation E. These actions has caused significant Inconvenient and financial loss and I seek Appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I have provided proof to allied collections showing that I was covered by insurance at the time of the billing and that I was not responsible for payment of the bill from XXXX XXXX XXXX. They responded that they are not an insurance billing company. However they are holding me responsible for a bill that I have proven I am not responsible for.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant XXXX, to XXXX XXXX where it is affecting my ability to XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

want to description under this law 15 u.s.c1681 A this information is inaccurate and want to delete from my report 15 u.s.c 1681 A4 you are reporting old information out dated and it a violation of my privacy 15 u.s.c. 1681 EB the consumer must have reasonable process ensure that maximum possible accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexington law is what happened.

They dooped me into debt with them. Asking for money up front. I payed XXXX upfront for credit report and then they started going into my account trying to take more money from me. I started with them in XXXX and quickly canceled in XXXX when they took XXXX XXXX from my XXXX XXXX card without my consent. I'm a poor XXXX man on food stamps. I'm unemployed. And have personal medical issues as well.
Product: Checking or savings account

PNC Bank has implemented a system that processes debits before credits. This results in potential temporary overdrafts during nightly processing so that PNC can charge an overdraft fee. The daily balance is never negative in this instance. See attached bank register.
Product: Debt collection

Violation of FCRA delete this account immediately. Inaccurate data reported. Account profit/Loss write off. still updating last date of activity. should have a XXXX  balance, with a Charge off Profit/Loss Reporting to XXXX  and Experian different dates of DOLA, etc..
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 {$2700.00}, {$1000.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I had an auto loan, and the vehicle attached to the load was deemed a total loss after an auto accident on XX/XX/year>. Auto insurance sent an automatic funds transfer to the lender, and GAP coverage paid the remaining loan balance on XX/XX/year>. According to the payoff letter I received on XX/XX/year>, the vehicle has a payoff date of XX/XX/year>. However, when I look at my credit reports I have a balance of {$14000.00} and a low credit score. All of these are negatively affecting my credit.
Product: Debt collection

Continues to try and collect on loan i have paid off ... and now has sent it to a company named PAS who claims i owe it and also has threatened my work and also my landlord. For something i continue to tell them i dont owe and now they tell me the debt continues to grow and im charged for each time i they attemp to contact me!
Product: Debt collection

Today I pulled my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into any contractual agreement with them stating that I would pay them for any services or goods
Product: Checking or savings account

I have lost over {$10.00} XXXX plus more amongst every bank I had invested therein or held any repore with. Most of the time my account was held with the one who held my my dire t deposit from the Department of Veteran 's Affairs where my VA compensation would be deposited to every month. XXXX XXXX XXXX XXXX has laundered or embezzled multi millions of US currency and I have the proof on paper to back it up. They stole over {$1.00} XXXX alone out of my money market account which is still open and since XXXX I have not been able to access it. The account in question is XXXX and as well as XXXX XXXX I was merely trying to buy a vehicle with it when XXXX XXXX and XXXX XXXX XXXX to buy themselves fleets of vehicles for their lots out here in Arizona and California
Product: Credit reporting or other personal consumer reports

I have tried to dispute with this creditor and the three major credit bureau agency in XX/XX/year>, XX/XX/year> after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXXXXXX XXXX Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card three different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXXXXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. Tran union, XXXX and Experian are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.
Product: Vehicle loan or lease

in XX/XX/XXXX I bought a car and XX/XX/XXXX it was taking from me