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

XXXX XXXX - reporting a balance of {$600.00} when original creditor shows Hughest balance being {$550.00} and when I called and asked to verify the balance history and validate it so I know its legitimate, they said they cant give me any info about the debt just that I have to pay them. 
Original creditor is XXXX XXXX XXXX- shows as open account on XXXX and XXXX XXXX well as XXXX XXXX, how can they both be open? XXXX fixed that with dispute. XXXX didnt update after disputing, XXXX has inaccurate history or none at all for multiple account and they continue to say they cant verify my identity when submitting a dispute, when I can log in their sister sites just fine to access my reports. 
XXXX XXXX XXXX claims to have bought a debt from a creditor my precious bank XXXX XXXX XXXX XXXX XXXX who I was having issues with their way of applying deposits and transactions out of order to ccharge me outstanding fees of hundreds of dollars over the time I was with them. I opened account elsewhere and was paying down the fees, I made a payment of {$200.00}, next balance said {$0.00} and then all of a sudden I have a collection from this collection co reporting I owe {$190.00}. They will not inform me what kind of credit ( since I had no credit with BOW ) and what transactions I did not pay for that led the account to be sold to them. XXXX dispute was successful. XXXX and XXXX are impossible to submit disputes with and never seem to investigate to the degree that XXXX does or else they woukd come to the same conclusions. I have disputed wrong personal info through XXXX they claimed to delete and it still appears. My score is over 80 or more points less with XXXX, and 40 with XXXX  due to these specific errors. Thank you for your time.
Product: Credit card

The XXXX stemming from this situation is tangible, affecting my XXXX quality and leaving me XXXX The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Credit reporting or other personal consumer reports

I disputed an account from Equifax consumer report. I requested that equifax have furnisher send me information of how said investigation was conducted. Never received anything.
Product: Credit card

I've always ensured that payments on this account are timely, never letting them become overdue. I am unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting or other personal consumer reports

I filed a debt repayment a consumer proposal, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  was applied XXXX XX/XX/XXXX. I worked thru XXXX to do this. At the time of full completion XXXX sent the necessary documents to both Equifax and XXXX. My complaint is with Equifax as they to this date have not updated my credit file after several phone calls and sending and resending of required documents they claim they never received from XXXX. XXXX confirms that they were indeed sent to both. It is now XXXX and I am still calling every 2 weeks for the last 3.5 months trying to get clarification on why my credit report has not been updated. This is most assuredly interfering with my life and causing me great stress. I have more than done my due diligence to repair my credit rating and clear my record with no results! I am at a loss as to how to get this company to pursue my claim and find out why it has been delayed so significantly. I have followed their processes and left numerous complaint messages with absolutely no response. I find it very concerning that our government allows an organization with such poor performance records to handle the financial security of XXXXXXXX XXXX
Product: Debt collection

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to this company.
Product: Credit reporting or other personal consumer reports

I am writing to report and resolve several inaccuracies on my credit report, which have persisted despite my multiple attempts to address them with the relevant credit companies. Below are the details of each issue, including the steps I have taken to resolve them and the lack of resolution from the companies involved. 

Unauthorized Accounts : 1. XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$16000.00} Account Number : Starting with XXXX Action Taken : I contacted XXXX multiple times via phone and submitted written disputes regarding this unauthorized account. Despite my efforts, the account remains on my credit report. 
2. XXXX XXXX : Date Opened : XX/XX/XXXX Amount : {$860.00} Account Number : Starting with XXXX Action Taken : I reached out to XXXX XXXX through phone calls and letters to dispute this account, which I did not authorize. My disputes have not resulted in the removal of this account from my credit report. 

Unauthorized Inquiries : 1. XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXX customer service and submitted a dispute for this unauthorized inquiry. No action has been taken to remove it from my credit report. 
2. XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I disputed this inquiry directly with XXXX and through the credit bureaus, but it remains on my report. 
3. XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I contacted XXXXXXXX XXXX and the credit bureaus to dispute this unauthorized inquiry. It has not been removed. 
4. XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX Action Taken : I reached out to XXXX XXXX and filed disputes regarding this unauthorized inquiry. It still appears on my credit report. 

Inaccurate Late Payment : 1. XXXX XXXX XXXX : Late Payment Date : XX/XX/XXXX Action Taken : This account was paid on time, but the payment check was not received by the company. I provided proof of timely payment and contacted both XXXX XXXX and the credit bureaus to correct this error. Despite my efforts, the late payment notation remains on my report. 

Summary of Actions : I have contacted each company involved via phone and in writing multiple times. 
I have submitted disputes through the credit bureaus ( Experian, XXXX, XXXX ) for each issue. 
I have provided supporting documentation where applicable. 

Despite these actions, the unauthorized accounts, inquiries, and the inaccurate late payment remain unresolved on my credit report. I am seeking your assistance to facilitate the removal of these inaccuracies to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

The Following accounts XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX Account Number XXXX have been deleted from XXXX but are still reporting on XXXX And Experian inaccurately. The law say every Credit Bureau must report complete and accurate data on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE JUST RECEIVED MY CREDIT REPORT AND NOTICED UNAUTHORIZED ITEMS THAT SHOULDNT BE REPORTING TO MY CREDIT PROFILE. AND IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACTING, XXXX  ACCOUNT # XXXX AND ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 604 A states that I have the right to privacy 15 USC 1681 602 A section 2 states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Product: Student loan

I have student federal loans that are handled by the XXXX XXXX program. In XXXX XXXX, I started work with a nonprofit company that qualifies for the public loan forgiveness program. Therefore, in XXXX XXXX, I called the XXXX XXXX program to consolidate all my loans ( totaling {$330000.00} ) under them so that I could qualify my loans in the public service loan forgiveness program. I specifically talked with the loan counselor to help me enroll in a qualifying repayment plan. I was assured by their counselor that the plan to which I was consolidating qualified for the public service loan forgiveness program. The counselor enrolled me in the graduated repayment plan. I have paid every single monthly payment on time, totaling just under {$46000.00} in all. 

In XXXX XXXX, I submitted an employment re-certification form, and only then was I notified that the plan I had been paying to each month did not qualify for public service loan forgiveness and that I would have to start all over again. Therefore, at least 23 payments of about {$2000.00} each month would not count toward loan forgiveness. They stated I had no recourse, but to reapply for the right program.

This is absolutely and inarguably unfair. I would have qualified for private loans that have a much lower interest rate than what I have been paying ( 6.625 % ), but staying in the public service loan forgiveness program made more financial sense at the time. 

Last month, I did apply for the income-based repayment program, which they state qualifies for the public service loan forgiveness program, but I very much believe that the previous 23 months should be counted as well.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern I was just looking over my credit report and found some addresses, names, inaccurate numbers, and employers. Pursuant to the FCRA 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a request for the consumers right to privacy. I demand a deletion of all personal identifiable information from my consumer credit report with the exception of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I demand any and all phone numbers be deleted. I demand my social security number and date of birth be removed from being displayed on my credit file due to security breaches and for privacy reasons. Delete all information in the employer section. Pursuant to the Fair Credit Reporting Act 15 usc 1681 ( a ) ( 4 ) and all its subsections.

Please send me an updated credit report from three credit agencies once the changes are complete to my contact information listed. 
Thanking You In Advance XXXX XXXX XXXX
Product: Credit reporting

In Experians reply of XXXX XXXX claimed they mailed my report on that day and would take 10 days, it is now 16 days and 12 business days and still have not received.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 
Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was made aware by looking at my credit reports, and Chase Bank that a couple of account XXXX and XXXX was charge off. But I never received a XXXX as a result from Chase. They saying the accounts are charged off though.
Product: Credit reporting or other personal consumer reports

I'm writing to request to DELETE of the following information from my file. I have identified inaccurate, negative, and harmful information on my credit file that is affecting my score. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

Based on Section 15 USC 1666b & 1637 ( b ), I demand to see verifiable proof ( of the mailing or delivery of the information required by Section 1666b ) you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I have also read that the CFPB recently investigated and found that, in many cases, you failed to properly review consumer disputes and allowed previously corrected errors to reappear on reports. These practices not only violate the FCRA but also have a serious impact on families ' financial well-being, as highlighted by the CFPB Director. 

I have enclosed copies of documents that support my request. I appreciate your attention to this matter and expect a written response with the results of your investigation within 30 days, as mandated by the FCRA. I trust that you will act fairly and responsibly to correct any inaccuracies in my credit report. 

Account in question : XXXXXXXX XXXX XXXX  Account ending XXXX, a 30-day late payment has been inaccurately reported.
Product: Credit card or prepaid card

Account closed XX/XX/XXXX. Was told 5-7 business days for refund. It has been a month. I have not received a refund.
Product: Credit reporting or other personal consumer reports

I sent several letters to remove this old address from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I began disputed non factual information on my credit report and illegal practices of dept of education/Nelnet on XX/XX/2023. They claim that they are not in violation which they are along with XXXX XXXX and XXXX. Nelnet has a contract with department of education which violates my privacy and several consumer rights. Proof is a letter they sent XX/XX/XXXX they state they dont have to disclose the right to opt out when 15 USC 6802 ( b ) A states that a financial institution can not disclose non public information to a 3rd party unless they allow the consumer information and opportunity to consent which i the consumer never did. The cra are 3rd parties furnishing private information on a public record. These accounts need to be removed. Also all 3 bureaus are NOT reporting the same information on the same accounts which is another violation. XXXX and XXXX are still investigating the matter meanwhile XXXX falsely claims to have investigated the matter. Each bureau should be on the same accord. XXXX and XXXX report late payments which is a violation of FCRA to furnish late payments because they are considered transactions. XXXX has a higher balance where XXXX and XXXX doesnt. This was not a matter to investigate. It should cease and desist from furnishing private information to a public third party without my consent or option to opt out. How did XXXX make a decision before Nelnet. XXXX closed their investigation XX/XX/XXXX meanwhile Nelnet made their decision XX/XX/XXXX XXXX XXXX
Product: Debt collection

They sent me the letter on XX/XX/XXXX and I thought it was fraud. Its a debt collector trying to collect a debt for another debt collector, that doesnt seem legal at all, for the original creditor XXXXXXXX XXXX XXXX Now its on my credit report so i sent in the validation of debt letter yesterday by USPS with a tracking number : XXXX. 
They should receive it by Monday, XX/XX/XXXX. Im filing a complaint cause this practice doesnt seem legit. How can someone who does not own the debt have it placed on a persons credit report. And actually stated this in the letter. So if I did owe the debt how could i be sure it would be paid correctly or will i have to worry about another creditor trying to collect the debt.
Product: Checking or savings account

We made a mobile deposit XXXX XXXXXX/XX/XXXX. It was a student loan refund for my son who is XXXX and we have XXXX We have deposited funds from him before. I neglected to have him sign. Hold was placed on deposit which we were not advised about until the next day. Spoke to XXXX branch XXXX when advised and she told us we needed to have our son come in with ID to sign a XXXX party release. Did this XXXX XXXX XXXX XXXXXX/XX/XXXX received email that account was locked due to fraud and no access to any funds. Called fraud line and was advised had to go to branch to resolve. Went to branch and teller advised XXXX too busy to discuss and would have to wait until XXXX  or could wait indefinitely to see if XXXX would see me today to resolve. No resolution as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a report with the Federal Trade Commission for suspected ID theft on 5 accounts. I provided the report to Experian demanding that they block the accounts from my credit report based on federal law. Experian declined to block the accounts, in violation of federal law.
Product: Credit reporting or other personal consumer reports

I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The account status is showing Derogatory status on XXXX XXXX XXXX ; XXXX is showing Open status on my credit report. In addition, HOW IS THIS INFORMATION ACCURATE? The Monthly payment for XXXX is showing XX/XX/XXXX for XXXX ; For XXXX and XXXX it is showing monthly payment of XX/XX/XXXX. How is this an accurate account? XXXX XXXX XXXX is showing the High Credit as of {$35000.00}, however, XXXX is showing high credit as of {$35000.00}. ... XXXX is showing Past Due Balance of {$2200.00}. XXXX XXXX XXXX is showing past due balance {$35000.00}. The payment status for XXXX is showing " Late 90 Days ''. The payment status for XXXX and XXXX is showing " Collection/Chargeoff ''. Why the date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
Product: Credit card or prepaid card

i filed a claim that was rejected by Synchrony Bank XXXX card had {$2200.00} owed on it that i didn't authorize another has {$1600.00} Another has {$1100.00} another has {$1100.00} none of these i authorized which i tried to tell them that and they still reject my claim
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Dear Experian, I am writing to dispute a collection account that has been reported by XXXX XXXX XXXX XXXX  on my credit report. 

XXXX XXXX XXXX XXXX : XXXX This collection account is past the five-year statute of limitations, and therefore, should not be reported. 

Furthermore, I would like to emphasize that this debt does not belong to me. I did not receive any notification within 30 days from XXXX XXXXXXXX XXXX XXXXXXXX regarding the transfer of this debt from the original lender, nor was I informed by them that they were the collection agency responsible for this debt. Therefore my rights to dispute this was taken away from me. 

Additionally, I have not received any verification from an attorney regarding the validity of this debt. 

I have already taken the necessary steps to address this issue by reaching out to the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX has admitted to the BBB that they failed to send me a 30-day notice or letter regarding this debt. 

I would like to bring to your attention the relevant consumer laws that protect my rights in this matter, specifically 12CFR 1006.34 ( B ) ( 5 ), 12CFR 1006.34 ( c ) ( 4 ) ( i ), 12CFR 1006.34 ( d ), and 15 USC 1681s-2 ( a ).

I kindly request that Experian investigate this matter thoroughly and remove the inaccurate collection account from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Today ( XX/XX/XXXX ) I received two packages from Cash.app. These were new cards welcoming me to the app. 

I NEVER signed up for this service. I have attempted to phone, including get a call back but they did not resolve. I have since submitted the request through a form. 

My complaint is that there is no specific office, form or phone number to affectively address fraud complaints.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I mailed a request for additional information for purposes of verification. I opened the account in XXXX of XXXX. It was a secured credit account. The initial deposit was {$200.00}. I received {$200.00} in credit. I do not recall ever receiving the card. I requested the account information and billing history to verify the {$87.00} charge. I sent documentation showing the initial email and {$200.00} transfer receipt. I received no response. First Progress, XXXX XXXX  XXXX, XXXX XXXX, TN XXXX was the only contact information available. 

I disputed the charge several times with the credit reporting agency with no success. In XXXX, I was provided a customer service number XXXX. The representative I spoke too could not provide transaction, billing, or payment history for the account. The representative stated the account had been turned over to collections and I would need to contact that agency. 

I called the number provided by the representative and the agency was also not able to provide any information on the account. I was referred back to first progress customer service. First progress holds the full balance of my security deposit and the erroneous information reported appears on my consumer credit report. I would like verification and the requested information from First Progress and I would like the account and the false information removed from my consumer profile. In addition, I would like a refund of the security, less any verified charges. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My address is XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXXXXXX XXXX  XXXX Acct # XXXX is A fraud account. 
Sent in paperwork to the bureau to prove it.