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

There are multiple errors for the accounts listed below. An accounting of the activity for the various accounts in dispute are listed below. These disputes were put in with both the creditor and the credit bureau. No actions were taken on the part of either party to rectify the complaints. According to the Fair Credit Reporting Act, I am requesting a deletion of this account from my credit report because the information requested has not been verified nor has proof of verification been presented. 

ACTIVITY 1. Letter to creditor to correct inaccuracies. Evidence of account submitted. 
Letter Date : XX/XX/2020 Request : Please investigate and fix data on my credit report. 
Decision Made : No response to letter. 

2. Letter to credit bureau to correct inaccuracies. Evidence of account submitted. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and fix or delete from my credit report. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. 

3. Letter to validate and send data used to decline correction of account errors. Also send copy of procedure outline for collecting data. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. Experian procedures sent via mail and email. 

4. Letter to produce records of charge off notification. 
Certified Letter Date : XX/XX/2020 Certified Letter Received : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any accounts details. No records sent to consumer. 

Experian 's blatant disregard for following procedure in this matter is shameful. They literally did nothing.
Product: Student loan

I had been contacted about student loan forgiveness. It has been going on for four years now. The company is Federal Student Help, and that is the only information that I know about them. I have received nothing in the mail about how much they have been taken off my debit card, however, my phone receives messages about money being taken out. The amount is {$180.00} per month, but I told them a little at a time during the month. Sometimes the money is taken out, sometimes it does not, it depends on how much money is on my debit card. I want to get out of this program, if it is in fact a program. I have no information about this company, not even a phone number or a address.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Checking or savings account

I recently received a letter from bank of America XXXX indicating that my claim was approved since I can then I haven't been able to log in account I'm getting letters of money thats been in my account they keep sending me bank cards that don't have money I called and everytime they keep making mistakes filling claims that I dind athorize my balance that I rember was XXXX on XXXX been reporting fraud since then now bank of America XXXX is still doing fraud under my name no deactivating my cards that are under my name and every time I called they say sorry for that mistake it's been 6 months and now they're only giving me XXXX with a claim that I already been approved but some how they keep filing claims that I dind athorize I been to the bank with two forms of id and XXXX been reporting fraud but dind thave n't even tried to stop it since XX/XX/2022 to XXXX XX/XX/2022 they keep saying sorry for the mistake not updating my information correctly filing a vlaint but making claims I dind aothorize this is not my fault I followed the process to stoping fraud but the XXXXXXXX XXXX of America is doing fraud under my name please help me I stress out I can't eat I recently gone thru a divorce they put child support on me I can't work because I lost my document and now my only savings that I had are gone I had a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been recently reported that equifax was hacked and personal information leaked. Through their provided site it shows that I am impacted by this
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks...

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall...

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Inquiries : XXXX Account Name : XXXX Account number : XXXX Date XXXX Last reported date : XXXX XXXX Last active XXXX Account Name : Account number : XXXX Date opened : XX/XX/XXXX Last reported date XXXX XX/XX/XXXX Last active XXXX Account Name : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX  Last reported date : XX/XX/XXXXXXXX  Last active XXXX
Product: Credit reporting

This account has been charged off and still reflects a balance on my credit report. Even so, this account has had no activity since before XX/XX/2009 and should not be reflected on my credit report at all after XXXX years.
Product: Credit reporting or other personal consumer reports

I demanded Transunion for a deletion of all personal identifiable on my consumer credit report with the expection of this XXXX name, address, and phone number. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA, XXXX ( XXXX ) XXXX Due to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of human XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Loans, XXXX, and XXXX XXXXXXXX bank posts late payments on credit report on a consistent basis when debt has been paid off years ago, I have contacted each company and disputed through credit bureaus multiple times within the past years, Im sure the debt is past the statue of limitations, I want the late payments removed from my credit report. The debts were paid, Why do they keep posting late payments to credit report?
Product: Debt collection

spam call everyday. owe no debt so please go after these XXXX.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 


XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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: Checking or savings account

I have an account with Bank of America, the account was saying it was still open until {$2.00} was paid. Well the IRS treasury department sent a {$600.00} payment to this account and they accepted it. Well when I went to take the money out they told me I couldn't because the account was pending to be closed. They didn't offer any information into finding out how I would get this money back or if it would be sent back to treasury or if it would be sent in a check. Every one gave me a different number and I was on hold each time for several hours and never spoke to the correct person. I went to yet another bank of america and they didn't offer any more help accept call customer service. I was given the run around. No one at all tried to get me to a supervisor or anyone that could tell me about getting my money.
Product: Debt or credit management

i have been notified through transunion reports that XXXXXXXX XXXX XXXX prior to 2012 was removed, as requested previously due to 10 year limit. however, at this current time i became aware that there were taxes/payments withheld from me to be allocated to the XXXX  debt. it was allocated to older tuition, the tuition that was to be paid by post secondary enrollment program by the highschool. I would like those previous payments re-allocated to XXXX  debt after my completion of highschool and the XXXX  program. 

they have been applying these funds to debt i was not responsible for under this program. that needs to be re-applied properly to the debt on my account, i.e. XXXX  loans 2012 and after.
Product: Debt collection

I keep having different collection agencies putting this XXXX account on my credit report that I have been disputing successfully now for around 2 years. I dispute it and the credit bureau 's keep taking it off then 6 months later another company will, do the same thing. XXXX from XXXX but this not my account. Credence collection agency put it on my XXXX  report total of 3 times within a few weeks .... XXXX XXXX XXXX XXXX XX/XX/2022 and now again XXXX XX/XX/2022. They also placed it on my XXXX XXXX report. I need this to stop immediately thank you very much.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX accounts have violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B a creditor can not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that Experian is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which five creditors are reporting incorrectly. The first Creditor is XXXX XXXX, they have violated their terms and agreement and the late payment that was reported is incorrect. XXXX XXXX has been reported to the FDIC for the improper conduct and the late payment was removed from XXXX and XXXX. The second Creditor is XXXX XXXX XXXX, they sold the account to XXXX collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in XX/XX/XXXX, Experian has yet to update and correct the account as closed. The third incorrect Creditor is XXXX, Experian is incorrectly reporting that the account is still being charged off As of XX/XX/XXXX, that is incorrect the account was settled and closed in XX/XX/XXXX, Experian has yet to correct this. I know it 's not XXXX 's fault because it 's been corrected on other bureaus except Experian. The last creditor is XXXX. On Every Bureau XXXX has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the XXXX accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is XXXX XXXX XXXX XXXX XXXX. This was not a collection account nor charge off in  XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX. It has a negative payment for the month of XX/XX/XXXX when it was clearly paid off and closed. Another reason how I know it 's incorrect because the Dept of Ed does n't allow individuals to consolidate a student loan that is in DEFAULT.  These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because one line of the Experian Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a change of heart.
Product: Credit reporting or other personal consumer reports

I have been trying to login to my Experian portal for weeks. Currently there is a screen that is saying " We couldn't bill your Visa ending in XXXX. Make sure your payment info is up to date to keep your benefits. '' I haven't had a card ending in that for a number of years, I never signed up for anything. I called and spoke to a rep today from my provided cell number and she COMPLETELY IGNORED everything I said. I advised her I didn't sign up and she ignored that. 

I then said to cancel anything they have me signed up for and she again ignored me completely and instead continued to try to sell me something. I got upset and asked for a supervisor and she hung up on me. This is insanity!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX acct:XXXX  XXXX XXXX acct:XXXX XXXXXXXX XXXX acct : XXXX XXXX  acct : XXXX XXXXXXXX acct : XXXX XXXX XXXX acct : XXXX XXXX acct : XXXX XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX acct:XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX XXXX XXXX acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXXXXXX Acct : XXXX XXXX XXXX  Acct : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX acct : XXXX XXXX XXXX  Acct:XXXX  XXXX XXXX acct:XXXX XXXX XXXX acct : XXXX In accordance with the Fair Credit Reporting act 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Consumer Loan

I purchased a Harley Davidson with a warranty. Every time I went to use the warranty Harley would not accept it and I would have to pay full price. I asked for the warranty cancelled and a refund and Harley refused. They used bait and switch tactics to place a useless warranty on my bike to increase my payments and the interest collected. They also engaged in predatory lending as my interest rate is excessive. I am requesting my warranty refunded and my interest rate reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX - XXXX - {$160.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Debt collection

On XX/XX/year>, I mailed LVNV Financial LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via USPS Certified Proof of Receipt ( See attached ), FTC provisioned Identity Theft and Fraud letter ( See Attached ), and all required listed documentation as noted in that letter. The fraud resulted from identity theft committed while I was the cardholder. I also notified the original creditor, XXXX XXXX. LVNV had prior sent me over XXXX emails, and just after receiving my FTC, FCRA Identity theft letter, almost immediately reported the " collection account '' to XXXX, directly in opposition to FTC, FCRA guidelines. LVNV has no standing, as I have proof of all declarations and have engaged in willful, knowingly intentional, unlawful acts. Immediate removal from my XXXX and any other Credit Bureau is required. 
Account numbers XXXX and XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, upon checking my consumer report I realize there is an account with XXXX XXXX that is reporting twice on my TRANSUNION report with a {$77.00} balance. I believe this happened because I ordered a new card. The only problem, there is a balance reporting and no matter if I have paid this account to XXXX. This account keeps hurting my credit utilization. Please update to XXXX balance as it should be. Thank you for your time in this matter. 

ACCOUNT : XXXX opened XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 Balance : {$610.00}
Product: Debt collection

This company started calling me in XXXX immediately after my husband died. They stated that I have XXXX in collections on a capital one account. Not ever having a capital one account I dismissed this and hung up. However they continued to call constantly. After ignoring for all these months they called Thursday stating that it was now with a law firm, XXXX XXXX XXXX  XXXX, which I looked up and initially appeared to be legit. They threatened if I did not pay they would go after my business and my credit would be impacted. After XXXX hrs of argument they had convinced me and had me in total fear. My business is my only income to support my XXXX children as a newly widowed and single mom. After hrs of negotiation and scare tactics, they stated if I agreed to pay {$5700.00} they would settle. I continued to plead and explained I did not have the money. They then said if I paid {$2800.00} at that moment she would likely be able to get rid of the remaining balance. I agreed to pay this via my XXXX and they sent a docusign credit card authorization form from " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX'. Immediately after making the payment and getting off the phone I called Capital One who confirm that I did in fact never have any type of account with them ever. Following that confirmation I called XXXX XXXX in attempt to stop the payment, which I could not do. I have submitted a dispute but I assume they use that docusign for that exact reason. In further investigation I see that they have done this to a number of other people. They are extremely convincing. They had my SS # and many legit accounts and addresses that I have had over the years of my life. They used my husbands death and my financial insecurities and my children to manipulate me into giving them all of this money. These people need to be stopped. I have an XXXX XXXX XXXX. I run a good honest business. I am doing my best to navigate in my still somewhat new role as a single windowed mother at XXXX XXXX XXXX. These people are heartless theives and belong behind bars.