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

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requried to Promptly Delete All information that is inaccurate, incomplete, or which cannont be verified. it is also my understanding that under thr FCRA 15 U, S.C. 5 1681i, every single one even each and any or all the un proven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly neegated in its entirety or the alleged accounts are to be completely deleted. The following derogatory accounts allegation are either untrue, unverfied, incorrect, not mine, not my responsibility, or otherwise NOT PROVEN COMPLAINT to regulatory fedeal reporting laws and or standards and MUST be removed. The following accounts are reporting on XXXX Transunion, 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: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX - XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX - XXXX XXXX Account Number : XXXX Inquiries : XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX :
Product: Checking or savings account

On XX/XX/19, Navy Federal Credit Union did not post direct deposit checks from neither irs tax refunds or payroll checks. there was never an email a text message or any kind of informational sent out directly to customers. Only those with a XXXX  account knew about it because they were responding to peoples questions about it. They have turned their phone lines off and even on XXXX the only answers given were we are working to fix it, no explanation or anything. There are people that have automatic bill payments set up because we are encouraged to do so by these institutions and then when we do so the money isnt there. Things like this causes overdraft fees, late payment fees, insufficient funds fees and could also begin to affect credit because some of the payments are for important things like mortgages and car loans.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Account should be closed. Its illegally on my created. Report.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report it is still showing 5 late payments within the last 30 days and 5 late payments within the last 60 days. These late payments were coming from Child support which has been Submitted to the CFPB on XX/XX/year>. They removed my Child support from my credit report but its still showing these 5 late payments for 30 and 60 days. Please remove them because these are not correct. Please see my complaint submitted on XX/XX/year> which has now been closed for more information Transunion are showing also showing the same late payments ( 7 late in last 30 days and 7 in last 60 days ) all due to the incorrect child support information. Please remove all of these as well.

Transunion are showing also showing the same late payments ( 7 late in last 30 days and 7 in last 60 days ) all due to the incorrect child support information. Please remove all of these as well. 

XXXX are showing also showing the same late payments ( 6 late in last 30 days and 6 in last 60 days ) all due to the incorrect child support information. Please remove all of these as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and identity theft.
Product: Checking or savings account

5/3 BANK I HAVE MADE FEW TRANSACTION ON XX/XX/XXXX AT A STORES WITH MY DEBIT CARD AND ALSO XXXX ON THE SAME DAY {$100.00} TO COVER ALL EXPENSE WITCH MADE MY ACCOUNT POSITIVE .FEW DAY LATER XXXX I AM HIT WITH UNFAIR OVERDRAFT FEES OF {$140.00} I CALL TO EXPLAIN THE TRASNACTION WAS ALL MADE THE SAME DAY TO COVER PURCHASES AND THE REP TOLD ME THAT THAT THEY WAS ALL DONE ON THE SAME DAY JUST DIFFERENT TIME, I HAVE NEVE HERD OF XXXX WHO SAID ITS SAME AS CASH PENDING FOR 2 DAYS TO COVER ANYTHING EVEN THO THEY MADE MY ACCOUNT POSITIVE AT SAME TIME I ZELLE IT BUT TURN AROUN 3 DAYS LATER AND STILL XXXX OVERDRAFTED FEES I FEE XXXX BANK IS UNLAWFULLY CHARGING OVERDRAFTED FEES AND IF YOU DONT PAY THEM THEY CHARGES MORE EVERY WEEK XXXX AND CORRUPTED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX JH Debt Portfolio Debt Equities falsely reported to XXXX that I have a balance of {$5000.00} which dates back to XX/XX/XXXX. They are claiming that no payments were made for over one year. I have verifiable proof that this account has been receiving payments each an every month without fail. The real current balance is {$1700.00}. This debt dates back to XX/XX/XXXX and is not a new debt as reported by JH Portfolios. I contacted them by phone and they claiming the amount is XXXX This is a total fallacy. I have filed an offical dispute the the credit reporting agency.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate balance reported on my Experian credit report. I had a credit card account with XXXX, which I opened in XXXX and subsequently paid off and closed in XXXX. Despite this account having a {$0.00} balance and XXXX providing me with written confirmation of this balance, Experians credit report inaccurately reflects a balance of {$450.00}. 

Details of the Account : Creditor : XXXX Account Opened : XXXX Account Closed : XXXX Reported Balance on Experian Credit Report : {$450.00} Actual Balance Confirmed by XXXX : {$0.00} I have provided Experian with a letter from XXXX  confirming that the balance is {$0.00}, yet Experian has refused to update their records to reflect this accurate information. As a result, my credit report inaccurately shows a balance that does not exist, which is adversely affecting my credit score and financial standing. 

Steps Taken : I contacted Experian and provided the documentation from XXXX showing the correct balance. 
Despite this, Experian has not corrected the error.
Product: Debt collection

On XX/XX/XXXX. XXXX I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled The amount has been successfully transferred, and the payment is complete. {$36.00} I received a letter from Cedars Business Services , LLC on XX/XX/XXXX claiming that I owed a balance of {$36.00} that had been sent to collection. After speaking with a rude representative from Cedars Business Services, I called XXXX and spoke with a representative named XXXX. She informed me that she did not understand why the account was sent to collection and suggested that it must have been a glitch in the system that resulted in it all. However, the bill being sent to collection is still liable to ruin my Credit Report and payment history. This is unacceptable and has the potential to severely damage my Credit Report should this error not be fixed and resolved appropriately. My livelihood is not something that I am willing to gamble on. Failure to correct this matter has the undoubtable potential to ruin my livelihood, my Credit Report and ultimately my life and my family 's. I will be forced to resolve this matter in court should. Attached is the collection notice from Cedar Business Services LLc and proof that the account was paid in full with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXXXXXX Balance : {$1100.00} ; US DEPT ED XXXX Balance : {$3500.00} ; USDOEXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EQUIFAX it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX XXXX acct # XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/ date of first delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate Equifax has XX/XX/, XXXX has XX/XX/, XXXX has XX/XX/. All three can't be accurate or correct.
Product: Student loan

In XX/XX/2023, I made a {$3000.00} payment from my bank to my student loans ( posted XX/XX/2023 ). The loans are serviced by EDFinancial ( edfinancial.studentaid.gov ). 

According to their website they would apply the amount first to the loans with the highest interest rate up to the amount owed, then to all subsequent loans following the same process. The exact policy is detailed here : https : //edfinancial.studentaid.gov/help-center/how-payments-are-applied However, they completely ignored their own policy and applied the entire {$3000.00} payment to a loan with a lower interest rate and a lower account balance. This resulted in the loan being overpaid by {$930.00} on XX/XX/2023. 

I contacted them within the same month ( XX/XX/2023 ) to request that they move the over-payment to XXXX of the other loans that still had a balance. They said that the amount would be transferred within 30 days. 

30 days passed and no transfer was made. I contacted them again and was simply told that there is no time table for the overage amount to be applied to a different loan. 

XXXX months have passed and I have continued to contacted them multiple times. There is still no resolution nor timetable for resolution. 

They are apparently still charging me interest on a loan amount that should have been paid ( but they messed up ). 

I would like to pay off the loans, but can not do so until the overpaid loan is closed and the overage amount is applied to a different loan.
Product: Checking or savings account

In XXXX of this year, XX/XX/2020, I was upset about a fee with my account for U.S. Bank and the person on the other end of the phone call would not waive the fee eventhough it was a bank error. I got upset and used profanity. I then hung up and called another branch and they understood my situation and fixed the issue. I never once physically went into the first branch in regards to the problem. We spoke over the phone. The person I spoke to then told their boss and the Branch manager, XXXX XXXX, closed my account in XXXX or XXXX, I cant remember the month. I actually did business inside of the branch after that phone call and the branch manager even said she had seen me but didnt think to come to me to talk about the situation. Instead, she just closed my account. That was discrimination. I was literally upset over the phone and that does not give the branch manager the right to just close my account over an upset phone call. 
That is discrimination.
Product: Credit reporting or other personal consumer reports

My identification and social security card were taken and someone opened several accounts fraudulent accounts using my identity I opened an account at XXXX XXXX which closed my account 3 days after opening the account they notified me of information that chexsytems reported a XXXX XXXX  account was opened fraudulently also a XXXX XXXX XXXXXXXX a XXXX XXXX  account and a XXXX XXXX XXXX credit card and a XXXX XXXXXXXX checking account and a XXXX XXXX credit card account the person whos stole my identity has been pulled over driving and has claimed to me and has gotten tickets in my name as well i would like to dispute this information and any negative remarks that may show up from the banks i mentioned to be removed do to identity fraud and any negative remarks on all credit reporting agencies to be removed so my rights as a consumer are not violated any further thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Error in Reporting for Loan # XXXX for XXXX XXXX and XXXX XXXX XXXX We found an error in the credit reporting on our mortgage and submitted a dispute via Experian and XXXX. We uploaded appropriate documents to their websites, but then someone at XXXX XXXX responded to their inquiries that the information being reported to the bureaus was accurate. It is not. 

I then sent an email to your XXXX XXXX XXXX Servicing Help email address, and received a prompt email response. The case was escalated to the Servicing Help department, and an agent called me back on XX/XX/XXXX. Im a bit confused why an agent called, as he basically said that he understood there was an inaccuracy that was negatively impacting us, but then said I cant do anything about whats being reported to the Credit Bureau. I am hopeful that you can correct this error/inconsistency in reporting. 

We original mortgage was opened on XX/XX/XXXX, with an opening balance of {$200000.00}. 

We modified this mortgage, due to the pandemic, effective XX/XX/XXXX, with a balance of {$190000.00}. 

XXXX XXXX is reporting this mortgage to the credit bureaus with an opening date of XX/XX/XXXX, and with an opening balance of {$190000.00}. 

Obviously, XXXX XXXX is reporting the original opening date with the modified opening balance. This is NOT accurate... and that is a problem because the FICO algorithm includes a scoring that compares the opening date and opening amount to the amount that has been paid off. With XXXXXXXX XXXX current reporting of the earlier opening date and the later opening balance, the algorithm results in a score that implies it took us ten years to make one year 's worth of payments. This reporting is negatively impacting our credit scores due to the inconsistency. Either XXXX needs to report the original date and the original balance TOGETHER, or they need to report the modification date and the modified balance TOGETHER... but not this mix and match. 

Could you please intervene and ask XXXXXXXX XXXX to correct the records that are being reported to the credit bureaus to reflect the accurate information? The information needs to be corrected in the reporting for both XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Student loan

Aidvantage ran a campaign that if you signed up for auto pay by XX/XX/23 that they would reduce all of your loan rates by 0.5 %. I did sign up for auto pay before that date and on XX/XX/23 they emailed me stating that my auto pay had been cancelled and my rates would not be reduced. I have tried to contact them multiple times since that date and have not been able to reach them.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Debt collection

Policy # : XXXX Claim # : XXXX 1, XXXX XXXX XXXX sent this letter in reference to my past policy with XXXX. The policy was started in early XXXX. There were two claims filed, due to XXXX  issues that I thought were covered. I later learned that XXXX XXXX were not a covered benefit. The claim was closed and placed on my driving history with XXXX. A second claim was filed by me with XXXX, where there was XXXX XXXX XXXXe and also damage XXXX the XXXX XXXX XXXX. The XXXX XXXX was documented and an assessment at a local dealership was performed. The adjuster stated that there were XXXX XXXX on the vehicle, which XXXX would not cover. There were never any XXXX XXXX added to the vehicle that I had knowledge of. The claim was denied and the vehicle remained unrepaired. I filed a XXXX claim with XXXX and never received a response. I then filed a XXXX complaint on XXXX and never got a resolution from XXXX claims. My vehicle is still in the shop for over 3-4 months hence why I didnt pay, cause my car wasnt drivable, their was going to cancel my policy for XXXX without any reasoning, so if I would pay them, I would been a waste of money, because if I would of continued with them, they would cancel my policy and leave me struggling, they damaged my driving record, to where I have to pay XXXX $ for insurance, because of the misinterpreting the claim they did, I wasnt in accident. XXXX damaged my driver record. 
XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove unverified and unauthorized accounts on my credit report and the credit bureaus continue to report the information
Product: Debt collection

IC System is a debt collector hired by XXXX XXXX. I paid full outstanding balance {$720.00} to XXXX on XX/XX/XXXX and yet they hired a debt collector for {$100.00}, which they don't have an invoice. Note there was fraudulent charge on my XXXX account for their lack of security measures. I suffered losing my phone service and number for many days. 

On XX/XX/XXXX I made a request to IC System and XXXX for payment verification but I have not heard anything except to wait XX/XX/XXXX. 
Not only I had to wait 2 month for the verification, this collection appeared on my credit report driving down my XXXX score to XXXX. It made damages on my personal finance as I can not get a new credit.