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

There is information thats on my consumer report that appears on my XXXX, Experian, and XXXX consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS 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 I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Product: Debt collection

I ; Man deny that this is my debt and if it is my debt, who is the Man claiming I owe this debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was established without my Knowledge and I have no contractual agreement withAMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX police report attached.
Product: Credit reporting or other personal consumer reports

There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, XXXX, XXXX, and Transunion and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX  XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.
Product: Debt collection

In I believe it was XXXX, I filed a complaint against XXXX  for not knowing who they were. I reviewed their response to this bureau, and they removed their listing on both XXXX  and XXXX, but they failed to remove it on XXXX. 

I got this long response about how the case had gone from here to there, and at the end of the day, they got this case in XXXX after it had been charged off by two companies in XXXX, and it was opened in XXXX. However you look at it, these two bill which were taken off my credit report last fall by the original companies, is over 7 years old, but due to the redaing of the XXXX account. theyd like to keep it on my report longer. 

I had expected to see this company off of my XXXX  report as it was taken off on the other two, and I was surprised to see that they think they can keep it on, but I am not shocked, as this is how they have answered letters previously sent to them with Xmas card like offers, etc. 

I have copied my XXXX  report as it is today. This appears to have been ignored in XXXX, they say they couldnt get a hold off me, and that in XXXX, its still due. 

If the companies have had the original debt drop off for reaching the 7 year mark, so should the collection agency. 

I asked for very specific information from this company in my letter, and it has never been recieved. The information being reported is not correct.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX : XXXX XXXX Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX XXXX Date XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date Of Inquiry XXXX XX/XX/XXXX XXXX XXXXXXXX Date Of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date Of Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date Of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date Of Inquiry : XX/XX/XXXX XXXX XXXX Date Of Inquiry : XX/XX/XXXX Equifax : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open XXXX : XXXX. XXXX XXXX  Account Number : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX - ChargeOff XXXX. XXXX Account Number : XXXX Balance Owed : {$1500.00} Date XXXX - Late/Open
Product: Credit reporting or other personal consumer reports

XXXX # XXXX inaccuracies reporting. Past due reported inaccurate, differently. I the 3 beuros. XXXX, XXXX. & transunion...
Product: Debt collection

I have contacted LVNV funding LLC and demanded they stop reporting False information on this account XXXX, I sent out a certified letter with tracking number on it on XX/XX/2022 a request for proper account level documentation of personal knowledge of said account and proof of real ownership, they pretend to report a past due balance, but i have never done any dealing with this company., but have been given the silent treatment..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. 
XX/XX/XXXXXXXX JPMCB card services 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

XXXX You said : Write a short brief description about how XXXX, XXXX and experian not looking into validating accounts in regards to the lawsuitXX/XX/XXXX said : XXXX XXXX, XXXX, and Experian, the three major credit bureaus, have faced lawsuits alleging that they failed to properly investigate and validate disputed accounts. Consumers have claimed that these bureaus continued to report inaccurate or fraudulent information without conducting thorough investigations, violating the Fair Credit Reporting Act ( FCRA ). The lawsuits highlight systemic issues where automated processes and lack of human review led to wrongful credit damage, financial hardships, and denied credit opportunities. These cases emphasize the need for stronger consumer protections and accountability in credit reporting practices. 





You said : Add me in there as a victim of this XXXX said : Youre giving feedback on a new version of XXXX. 
Which response do you prefer? Responses may take a moment to load. 
XXXX Response 1 XXXX, XXXX, and Experian, the three major credit bureaus, have faced lawsuits for failing to properly investigate and validate disputed accounts. As a victim, I have personally experienced the frustration of these bureaus continuing to report inaccurate or fraudulent information without conducting a thorough review. Despite my efforts to dispute these errors, they failed to take the necessary steps to correct my credit report, causing financial hardship and obstacles in obtaining credit. These lawsuits highlight systemic issues where automated processes and lack of human oversight have led to wrongful credit damage, underscoring the urgent need for stronger consumer protections and accountability
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, these companies violated my rights. 

- XXXX XXXX XXXX XXXX # - XXXX - XXXX XXXX XXXX XXXX # - XXXX - XXXX XXXX /Account # - XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX /Account # - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law states the credit bureaus have 5 days to notify me from when they receive my disputes. 

15 U.S.C 1681 Section 604 A Section 2 : The law states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I have never taken out this XXXX XXXX account this is fraud remove this
Product: Student loan

I recently received a communication from EdFinancial, my student loans servicer, marked XX/XX/XXXX, that the grace period on one of my loans is about to end and that the first payment is due in one month ( XX/XX/XXXX ). In addition, several of my loans ( 4 out of 6 ) list a payment due date as XX/XX/XXXX, despite the other two showing that I am in in-school deferment. Granted, the amount due showing up on the Account Summary page shows {$0.00} ; however the letter I received about the grace period ending indicates that I will owe {$840.00} per month. Both a screenshot of my Account Summary Page and the letter about the grace period ending are attached to this complaint. The problem is that I am currently in law school, which is the same course of education for which these loans were received. All of my loans should be listed as " In XXXX. '' To add to the confusion, on the Loan Details Page ( also screenshot attached ), the loans with the XX/XX/XXXX due date are listed as " In School Deferment '' in the dropdown, which does not match the Account Summary, the due date, nor the end-of-grace-period letter I received. None of them should have an initial due date before XX/XX/XXXX, as I graduate in XX/XX/XXXX and then have a 6-month grace period. Unfortunately, this seems to be a widespread problem, as several of my classmates are encountering this with EdFinancial as well, and the company has thus far not resolved it for them. 

I had a similar issue occur with EdFinancial in the fall of XXXX, and despite calling and speaking to representatives 3 times, during each of which I was assured that the problem was fixed and would appear as such on my portal soon, a month went by and it still said I owed money. Nothing was corrected until I filed a CFPB complaint, after which someone actually fixed the issue. I am not sure if this current issue is a continuation of whatever manual measures someone took to fix that old issue, leading to a loan now coming due when that is not, in fact, true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following list of accounts below has violated my Federally Protected Consumer Rights, both privacy and confidentially under U.S.C. 1681. 

The account is as follows : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - I.D . # XXXX ( XXXX ) or I.D . XXXX XXXX or Transunion credit reporting agencies. 
15 U.S.C. 1681 Section : 602 ( A ) state I have a 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. 
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 nor any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am requesting that these companies abide by the law and follow the rules accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I observed inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and its presence is significantly impacting my life. I kindly request your assistance in addressing this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and saw various inquiries that do not belong to me for the same date - XX/XX/XXXX. Additionally, they have been reporting for almost one year. If this was for an auto loan, then these should have been grouped together as one and should not be listed individually. But i am requesting REMOVAL because it has been one year. 

XXXX XXXXXXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

XXXX is showing up as 2 late payment and the account is closed with a XXXX balance it was opened on XX/XX/2014. It was shown as payed never late as agreed but showing on my report as 2 late payments. I have never been late on my account and never will .I then know that it is show this and I know that this is inaccurate charges.
Product: Student loan

I have been affected by the recent allegations against Navient regarding my loans as well. My loans were originally with another creditor and transferred to Navient. As early as 2007 I have fallen under all poverty income guidelines for all government agencies and/or have attended school at various places. Instead of offering deferments, or offering with income driven repayment plans, I too have been offered economic hardship deferments, where my interest rates have continued to soar. They would capitalize interest and let it build.I am now paying monthly out of pocket to an accredited online learning institution because I can not afford otherwise to attend school. I can not afford to pay the payments each month requested while not in the IDR plan. They have request XXXX per month out of my XXXX income which supports XXXX people in my household. I also work for XXXX for over 15 years and this was never asked of me and loan forgiveness ever discussed either. I feel this is unfair and I will have to pay thousands in interest that could have been avoided.
Product: Checking or savings account

Ive filed multiple complaints against usaa from their improper handling of my auto loan. Usaa is now taking action on my checking account and putting holding on funds put into my account when I have more than enough to cover the amount in the account. Usaa has taken unfair actions against me and they need to be looked into. This is just another unfair practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ON MY CREDIT REPORT, APPEARS THESE HARD INQUIRIES THAT I DO NOT RECOGNIZE FROM TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  XX/XX/year> -XXXX XXXX XXXX XX/XX/year> XXXX REMOVE THESE HARD INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is decreasing my score without any reason or shame, my due date is XXXX and I paid before that it showed a {$240.00} balance and reduced my score The XXXX and the XXXX decreased my score without reason. I'm tired of this wrong report
Product: Credit card or prepaid card

I lost my XXXX  job and since than I haven't been able to make two payments for my credit card, because the minimum payment is too high. If it was lower I would make the payments but as of right now I cant afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Account for XXXX XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.
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 XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Debt collection

I was under " improperly served '' by XXXX County Court of NJ Special Civil Part. Under NJ Law Summons : 4:4-3 Personal Service. Notice of summons Doc XXXX. approx. dated XX/XX/XXXX was judgement date, was sent to an old address being XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. Never received, was under XXXX related treatments and hardships. I tried several times to work out a plan dating back with creditor, approx. XX/XX/XXXX. Not willing to make out a plan. Creditor had Calvary SPV I, LLC as Assignee of XXXX  XXXX/XXXX XXXX XXXX XXXX.  Execution Against goods and Chattel, by their assigned attorney XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX.The law firm XXXX went to court had judgement take place, wiping out my checking account with XXXX XXXX Bank . Approx XX/XX/XXXX {$6500.00} was taken from my XXXX XXXX XXXX acct. I just recently was able to get most legal documents. Contacted XXXX XXXX XXXX 's office was advised to file complaint forms XXXX and XXXX. Advising the above parties, the Law firm vacated the Judgement dated XX/XX/XXXX. XXXX and Calvary collections still will not enter into credit bureaus as satisfied, causing me great suffering to move forward in life, struggling in hardships. I am rejected for an apartment, can not move forward. Recently contacted all credit bureaus, still reading on reports by XXXX? XXXX XXXX XXXX as written off closed {$6300.00}, past due well over 90 days, which was paid through this above course of action, and the assignees XXXX  nor Calvary will address the matter with the credit bureaus. I never had a chance to voice or resolve this debt by the above assignees due to not receiving the Court legal summons. Wrong address.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

Fraud happened on my account as I lost my check book. I called to close my account. It was positive at the time. that was on XX/XX/2022, I was told that my account has been closed and if I want to I would have to go into branch to open a new account. Now I've got a kind of fees and the account was never stopped allowing fraud to continue to happen. I went in the bank, the manager was being transferred by phone to different people from over an hour and half and up until now my account is still open and active occurring fees daily.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

EQUIFAX EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports