23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

Collection Agency : XXXX XXXX XXXX XXXX Original Balance {$620.00} Original Balance Accounts name : Original Creditor XXXXXXXX XXXX Reference Number XXXX Date Account Opened XX/XX/2018 Original Account Number XXXX Brand Name XXXX  XXXX XXXX took by the company for nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience is reporting a negative account on my credit file/report that does n't or belong to me. I have requested removal of the account for over a year and they have not properly addressed or resolved this issue at hand. This account and balance do no belong to me and is gristly affecting me and my credit scor in a negative way
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Dear Experian I am writing regarding my previous dispute, submitted on XX/XX/XXXX, about inaccurate information on my credit report. Despite my efforts to have the errors corrected, the matter has not been resolved. Experians act of negligence is damaging my credit report. This account is clearly still not compliant with Metro 2. This account is clearly inaccurate & incomplete, so how did you guys even verify this account. Now you guys are neglecting my character & intelligence. 
I am now submitting this second request for an investigation on the procedures Experian used to verify this account or remove this account off my credit file : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX ACCOUNT IN VIOLATION REMOVE THIS ACCOUNT Two-Year Payment History : ( XXXX ) Experian is going against their own Glossary of account conditions & payment status : Charge-Off is only an Account Condition, so how is it reporting Charge-Off as Payment Transactions on Payment History every month on this Account. There is no Payment History listed as Charge-Off only Account Condition. Its literally in Experians own Glossary, so how is this even Accurate based on Experians own Glossary of account conditions & payment status. 
XXXX : No History Reported Experian : Experian is going against their own Glossary of account conditions & payment status : Payment Status : ( XXXX ) This XXXX XXXX  Account is acting as a Charge-Off Account & Collections Account Simultaneously. Payment Status is Charge-Off on Report, but XXXXXXXX XXXX is acting as XXXX XXXX XXXX XXXX attempting XXXX collect a debt as a Collection Agency too. 


Date Opened : ( XXXX ) ( XXXX ) DIFFERENT DATES OPENED. HOW ARE THERE XXXX DIFFERENT OPENING DATES REPORTING? 
XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Closed Date : ( XXXX ) NO CLOSED DATE REPORTING. HOW IS IT NO CLOSED DATE ON AN ACCOUNT THATS CLOSED? 
XXXX : XX/XX/XXXX Experian : No Closed Date Date of Last Activity : ( XXXX ) ( 2 ) DIFFERENT DATES OF LAST ACTIVITY. HOW ARE THERE 2 DIFFERENT DATES REPORTING? 
HOW DID EXPERIAN VERIFY THIS ACCOUNT, AND DATE IS XX/XX/XXXX XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Last Verified : ( XXXX ) HOW DID EXPERIAN VERIFY THIS ACCOUNT, BUT ITS NO DATE REPORTING FOR LAST VERIFIED? 
XXXX : XX/XX/XXXX Experian : No Date Reporting Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting of my credit information. If you believe the information is accurate, I request that you provide me with the following : The whole procedure used in your investigation to verify this account. 
Verification documents from the furnisher of the disputed information. 
If the disputed information can not be verified or is deemed inaccurate, I request that it be removed from my credit report in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Experian credit report, and I noticed some Transactions posted on my credit report that is excluded by federal laws from my consumer reports : XXXX XXXX, Acct # : XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; On XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, you reported transactions from XXXX to my consumer report. The above section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/Corporation making the report are not included on the consumer reports, yet you are reporting this information to my consumer reports!

Furthermore, 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS 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

The address on file XXXX XXXX XXXX XXXX XXXX, DE XXXX is not my address and I would like to get it removed from my account immediately. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

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 under 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 lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute for Inaccurate Reporting of Student Loan Account by Equifax To Whom It May Concern, This letter serves as a formal dispute regarding inaccuracies and discrepancies in the reporting of my student loan account managed by the U.S. Department of Education ( US DEPT ED ) on my Equifax consumer credit report. These inaccuracies must be corrected immediately to prevent further harm to my creditworthiness and personal reputation. 
The account details and errors are outlined below : Account Details : Creditor Name : DP OF EDUC ( U.S. Department of Education ) Account Number : XXXX High Balance : {$7100.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7300.00} Account Status : Open Payment Status : Current Account Type : Student Loan, Fixed Rate Credit Limit : {$0.00} Discrepancies and Errors Identified : Late Payments Incorrectly Reported : Equifax reports a XXXX late payment, despite the loan being in good standing and payments marked as current. 
No late payments have occurred ; the status should reflect Never Late.

Failure to Accurately Reflect Deferment or Repayment Terms : The account has been under deferment, which has not been acknowledged or documented correctly.

Violations of Federal Law : 15 USC 1681e ( b ) : Failure to maintain accurate and complete reporting of consumer credit information.

15 USC 1681i : Failure to promptly investigate disputed information despite inaccuracies being evident upon review. 
Requested Action : I formally request the following actions be taken immediately : Correct the reporting on my Equifax report to reflect an accurate payment history with no late payments. 
Ensure the account status reflects any deferment periods accurately. 
Confirm in writing that the corrections have been made within XXXX business days from the receipt of this dispute. 
This incorrect reporting has caused significant emotional and financial distress. I expect prompt action to address this matter. If the inaccuracies are not corrected, I will escalate this issue further, including seeking legal remedies for damages under the Fair Credit Reporting Act ( FCRA ). 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

In XXXX I could not pay on this loan. I used family to stop Navient from harassing family members and individuals around me, including my job. However, my support system has passed away during the pandemic, as Navient knows since one member was an actual co-signer on a loan. I can not pay on this loan, and Navient knows this. I do not want them to contact anyone except for me about this debt. They do not need to contact the 3rd party as they have my cell and email and have contacted me on previous occasions. I can not pay this debt and will not be able to in the future. I am demanding that Navient only contact me about this debt. I am well aware that this loan is headed towards default and its nothing that I can do about it. I am ready to face the repercussions of such actions. Thank you!
Product: Debt collection

My problem consists of an issue with a wrong amount being collected by American Express and while I have disputed it, no conclusive answer has been given to me to explain why the debt reported is so high. I never ran the debt up to that amount and I have constantly been disputing the amount for some time. 
To make matters worse the collection account has exceeded both the state statute of limitations and the credit reporting time limit of 7 years. This is another matter I have disputed with them and in all cases receive no answer to my complaints. I am asking for assistance in this regard and would like American Express to answer this request and complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit Coll collection , and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. Credit Coll is also reporting negatively on XXXX as this account is not mines it should be deleted from report. XXXX was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against XXXX XXXX /XXXX XXXX for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) XXXX XXXX is reporting positively with 100 % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on 2 accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all 3 bureaus. I will like to file complaint with XXXXXXXX  XXXX account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen fraud was committed credit cards was opened cars was leased {$5000.00} Exeter finance {$1000.00} XXXX XXXX XXXX  {$630.00} XXXX XXXXXXXX {$470.00} XXXX XXXX XXXXXXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$4700.00} XXXXXXXX XXXX  {$580.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX
Product: Mortgage

Earlier this year I had a family emergency that required me to be outside the USA for extended periods. In my absence, I had scheduled my Wells Fargo HELOC payments to be automatically debited from my back account. These payments were deducted from my checking account but not remitted to Wells Fargo by the bank 's processor. I contacted my bank and their automatic payment processor confirmed the payment errors were caused on their end. I inquired with Wells Fargo customer service who advised me earlier this year that these payments would not be negatively reported to the credit bureaus but I've discovered recently that they are being reported late. I have been a very loyal customer of Wells Fargo for over 10 years and never missed a payment. I made every attempt to make these payments on time and now I am being financially punished by Wells Fargo for the fault of another financial institution.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

On XX/XX/XXXX, I contacted Navient about changing my payment plan. Currently, the Income based plan I am on is charging me more than {$600.00} a month, which is prohibitively expensive. The person I spoke with, XXXX, was very helpful. She explained that I could change to a graduated plan, the payment would be approximately {$190.00} a month for two years, after which time it would increase. I asked her about compounding interest, she said there was none, and I asked about a penalty payment or large payment to switch plans, and she said there was none. I told her I wanted to make that change. 
On XX/XX/XXXX ( my payment day ) Navient took {$610.00} from my bank account. I called them again, and spoke first to XXXX, who told me that at first, she couldn't estimate a new payment for me, then told me I had to make a " full '' payment to switch plans, and finallly came back and said I couldn't switch plans because one of my loans ( they are consolidated in to two groups which Navient now owns ) would have come due without the IRB plan. This is the first I have heard of such a thing. 
She then transferred me to XXXX, who said that my XXXX payment of more than {$600.00} could be used as this " bridge '' payment ( which I was told in XXXX I didn't need to make ) and that she was expediting the request for the graduated plan. I asked her at that time to confirm this for me in writing. She said she would do so, and that an expedited request would take 1-2 weeks. As of today, the only correspondence I received is a form notice telling me to call them if I want a new payment plan. I've already done that -- -- twice. I have sent an email to the customer service person who responded to an earlier complaint I had about their website showing a {$0.00} payment, when in fact they intended to take out {$600.00}. She has failed to respond at all. I think this constitutes fraud - I was told one thing, planned for a payment of approximately {$200.00}, only to have three times that much withdrawn, and then sent on a carnival ride of conflicting information. They refuse to put any information in writing. As of today, I seem no closer to the payment plan I requested. I have made monthly payments EVERY MONTH since XXXX, 2008.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized/unsolicited Hard Inquiries from XXXX Credit Report XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CREDIT ACCEPT CORP/CAC XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e - Compliance procedures ( ACCURACY OF REPORT ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. produce all documentation everything associated with account Produce original contract and auction receipt payment insurance loan insurance XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX alike all have different variations of my name, phone number, and home address reporting and updating consistently. Addresses I have never lived at, my last name spelled wrong, and phone numbers I do not own. 

I have tried to dispute this information online several times and there seems to always be at a peak time where maintenance is being handled. 

I disputed this information by mail in XX/XX/2022 and the incorrect information is now back on my reports.
Product: Credit card or prepaid card

In the spring of 2016 I joined a gym called XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. In XXXX timeframe I made several attempts to contact the owner by phone and at the gym. I needed to cancel my membership due to the loss of my husband from XXXX and the fact I was moving back to Missouri. The contract said they needed a 30 day notice and I was giving them 60 days notice. I could not under any circumstances catch up with the owner by phone or at the gym. He would NEVER return my calls. So, in XX/XX/XXXX I put my gym key and a note in an envelope and left it at the gym on his desk. On XX/XX/XXXX I moved 455 miles away from XXXX XXXX XXXX  to XXXX XXXX. I assumed he had cancelled my membership. The end of XX/XX/ I was charged once again on my credit card for the membership fee. I called my Credit Card company, XXXX to dispute the charges. I told Barkleycardus do NOT pay any charges to this business. My membership was cancelled and by key was returned. A few days later the owner, whom I still do not know his name, called me and proceeded to cuss me out, threaten me, and told me he was suing me. I called my attorney who said he had no grounds for anything. I told my credit card company to not pay any charges to this business and thought it was taken care of. I have since found out that even though this man knew I was 455 miles away he continued to bill my credit card company and they continued to pay him to the tune of over 500 dollars plus 9.5 % interest. Now my credit card company wants me to pay them even though this gym committed fraud and basically stole from me. I filed a complaint with the XXXX  of XXXX and he started emailing me. Nasty as usual and then tells me he has suspended my account. I had to cancel my credit card so he could not make any further charges on this card. Also, when I signed up for this service his son made the remark that I wouldn't believe how many people sign up and never use the service and they just collect the money. This man is running a scam. He is a thief and he knew in XX/XX/XXXX I was in XXXX  and he knew I had cancelled my membership but he continually charged my card. My problem was not going over my statement. I always had a balance so I never picked up on the XXXX bucks a month he was hitting me for. Some months he even charged me XXXX dollars. I was furious with my credit card company for paying when I told them not to and for him just bluntly committing fraud. XXXX KNEW they were suppose to stop any and all payments submitted by XXXX XXXX XXXX XXXX XXXX. However, they continued to pay his charges knowing the membership was cancelled and knowing I was living in another state.
Product: Debt collection

Can't believe Paragon Revenue Group still won't leave me alone. Today should be a day of celebration for my XXXX XXXX XXXX, but instead my wife is dead I'm dealing with constant harassment for a debt. This mental anguish needs to stop, I've lost enough already.
Product: Credit reporting or other personal consumer reports

Experian starts the day like all the others with computer generated response which addresses ABSOLUTELY NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit card or prepaid card

Someone I do not know hacked my computer and made fraudulent charges on my account and was made on XX/XX/2014.