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

I've disputed this Discover account several times. This account was not investigated by XXXX, XXXX or XXXX. The information I received from these credit reporting agencies specifically says it was. The information that I will attach will prove that it was not investigated. This is not only time that this has happened with these credit reporting agencies. I will also send this complaint and information to the attorney General. It seem that this is done purposely by these agencies or the agencies are not being investigate as they have stated. This Discover account has XXXX Balance and still not sowing on my report. Which I've requested and received this information from Discover. I never received any proof and information that was requested that it was in fact ever investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.
Product: Debt collection

I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/2019. I have not ever received serves from this company. When I called American Profit Recovery that sent the letter, I asked what the date, animal and who authorized care with a signature was. I was told they would supply no information to me and I owed the amount of {$100.00}. APR told me the matter would be dealt with by XXXX, not them since I dispute the debt. 
I would also like to know how my information, address, was found by this company since I have not ever used their services. I was a prior employee of XXXX XXXX XXXX, who owns XXXX, and I am concerned that they have gotten my new address somehow and are attempting to bully me into paying a bill that is not mine because I left their company nearly 3 years ago.
Product: Credit reporting 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 XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I am in the repayment phase of my student loans and have been for the last XXXX years. 
I consolidated my loans with XXXX XXXX and that loan was later transferred to Navient. 
During the consolidation process around 14 years ago my loan interest rate was locked in for 30 years at 3.375 %. I have been paying {$250.00} / month ( via direct debit ) since I consolidated my loan at that time. 
Recently I received a letter from Navient stating that they had to " recalculate my payment '' but that the other terms of my loan ( principle owed, interest rate, and number of payments ) were not being changed. When I called customer service ( on two separate occasions ) and later uploaded an email message online, eventually I was advised that they are now using the original interest rate of 4.625 % to calculate the payment ( but I am " still getting the lower interest rate of 3.375 % '' ; huh? ). Even though they state that this will pay the principle down faster, they still show the same number of payments being paid ( 196 total monthly payments ). ( Anyone with a sense of numbers knows that this makes no sense. ) {$38000.00} - amount currently due 3.375 % interest rate XXXX payments. 
Based on these numbers my monthly payment should be {$250.00}, not the {$270.00} to which they have raised my payment. 
I have spoken to them on the phone twice and emailed them with no better response ; at first I just thought I was speaking to a dullard on the phone but the consistency of their responses makes me think otherwise. I think the company is making a concerted effort to defraud me ( and I would presume others as well ), as clearly the terms have changed on my loan, which is NOT a variable loan. Please help. 
Look at the numbers on their website, which I have uploaded. ( It is broken down into the XXXX loans that were consolidated. The numbers do not add up when you put them into an amortization calculator. If I pay the principle due with the payments they have calculated, it should pay down faster than what they have listed. In their email response to my inquiry they noted that " the minimum monthly payment amount for your loan needed to be modified to ensure that your loan will be paid off by your agreed upon loan term end date. '' If you calculate the numbers you will see that that statement is false.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX  Balance Owed : {$670.00} XXXX XXXXXXXX  Balance Owed : {$530.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$360.00}
Product: Credit reporting or other personal consumer reports

This account has not been properly verified. DATE OF LAST ACTIVITY IS INACCURATE. 


PLEASE DELETE the following account immediately for failing to comply with FCRA. XXXX XXXX XXXX THANK YOU FOR YOU TIME
Product: Credit reporting 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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Department of Education : account XXXX XXXX and XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect.

According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was scammed by a " fake ticket '' seller. They requested that I send them funds via Zelle using the name " XXXX XXXX '' and email " XXXX ''. Within XXXX minutes it became clear the seller was not going to provide the concert tickets to me and I reported the fraudulent transaction to my bank ( XXXX ) who immediately contacted Zelle. 

Now look, I understand sending funds to someone I don't know can come with risks and I did some due diligence and accepted the risk this might be a scammer, but I work in XXXX XXXX XXXXXXXX for financial products and I KNOW that these types of scams happen at scale and can be prevented by the platform. Companies like XXXX ( XXXX ) and XXXX ( XXXX ) accept customer complaints, track users who might receive too many, and also can XXXX  funds/close accounts if the user reports the fraud fast enough with good documentation. Zelle refused to provide my bank with any information or recourse about the recipient, who is required to have a valid XXXX XXXX  Account. Why can't they provide me the recipients bank information so I can go to small claims? Why can't Zelle contact the recipient bank for accounts that appear to be fake? Why can't Zelle do a better job tracking these complaints, especially very fast ones so they can XXXX XXXX funds. I realize there can be abuse going both ways- but there must be a better method for tracking and providing information/dispute resolutions on its network. It can not just take ZERO responsibility to the fraud that occurs on it's platform. That seems unacceptable to me and the fact it's used by so many institutions and is a regulated platform makes me think they need to step up. 

In this particular case it's very obvious there are XXXX scenarios : XXXX ) The Zelle recipient uses their real information and scams everyone with the same account. In such a case, Zelle should provide me with that person 's information so I can take personal recourse ( e.g. small claims ). 

XXXX ) The Zelle recipient is opening fake bank accounts with false information and doing this at scale. In such a case, Zelle needs to alert the financial institutions, try to claw back funds/close accounts, or do a better job preventing their Zelle onboarding XXXX 

Zelle needs to do more this is not acceptable for a platform this large.
Product: Debt collection

Repeated calls at work, repeated calls on personal phone. I tried to resolve situation by offering a payment plan once a month, they wouldn't do it. I revoked the ACH well before my first due date and they started to harass me and turned the debt as " defaulted '' to some XXXX XXXX XXXX XXXX XXXX XXXX whom is not licensed to practice is WI. Furthermore, this online loan agency is not licensed to give out Payday or installment loans in the state of WI, thus making this online loan that was given out illegal and void.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX so called debt {$420.00} filed police and ftc report # XXXX
Product: Credit reporting

Delete these Addresses as I have asked before. They are not my addresses and I never lived there before : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to review this account number, status, original amount, and balance. I think it 's not XXXX accurate and remove this collection immediately from my credit report. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX & XXXX XXXX I am requesting investigation on opening date, date of last activity, and account name. I believe this information may be inaccurate. Remove immediately from my credit file. 

U S DEPT OF ED/XXXX XXXX Begin reviewing the payment amount, status update, account status, and the high balance. This information may be misleading. Immediate removal of this item is required of you. 

U S DEPT OF ED/XXXX XXXX I need the following investigated : payment amount, status update, account status, and the high balance. I believe this information may be inaccurate. Please remove for violating the FCRA. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX This collection is in dispute because the original amount and the current amount do not match my records. Please delete this item immediately for it 's inaccuracies. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a XXXX % accurate. Please remove this collection immediately for its inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not XXXX % accurate and remove this collection immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I submited a request to have hard inquires deleted of my credit report on-line in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispu ted information from its files. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I was reviewing my credit report and a bank that I had opened in the past closed AND CHARGED OFF for an overdraft amount that is different from the balance that the Credit Union is reporting to the Credit Bureau. This was a checking and savings account and there was NEVER A LOAN THERE WAS NEVER AN ACTIVE TRADELINE ON THIS ACCOUNT. and for years it continues to report a balance and CO when in fact this was a checking account. 

On XX/XX/22 I sent letters requesting a proper and fair investigation XX/XX/22 XX/XX/22 The account is CLOSED this means the account has not been properly verified. I provided proof and also followed up requesting that they look into this matter.
Product: Debt collection

They will not answer calls to discuss debt repayment options! I continuously call their customer service number, navigate the automated system, am put on hold, told I will speak with the next available assistant in order the call was received, then told by computer voice that there is heavy call volume and to call back at another time and then I am disconnected.
Product: Student loan

FedLoan, a company that " manages '' student loan repayment, has consistently made errors in processing my account and paperwork. I consolidated my loans two years ago and set up IBR and direct debit. I have a considerable amount in student loans ( over {$80000.00} ) and wanted to take advantage of the great new loan repayment options. Every year, I have to submit an updated application and my taxes to calculate the IBR. I did so in XX/XX/XXXX. In XX/XX/XXXX, I received messages that I did not submit my paperwork and my payments would go from {$150.00} to over {$900.00}. I contacted the company immediately and was told that I did n't submit anything. I asked them to look again and they found it. It had been there all along. It was complete and ready to be processed. I sent in the paperwork early because I my job was going to be changing in the summer and I did n't want to have anything else to worry about. My options for correcting their mistakes ( which apparently was on me and not them ) were to go into collections or put my loans into deferment ( with accruing interest ) until they could resolve the issue. I asked the customer service rep if it sounds like I am being penalized for their mistake and her response was " yes. '' I also submitted a public service loan forgiveness ( PSLF ) form in XX/XX/XXXX. It came up on my account, but when I called and asked why payments were n't going toward that program, I was told that they did n't have my paperwork. I asked if I had to resubmit it every year and the customer service rep said no, but I should send another one anyway. I sent it in and it was rejected for not having complete information. As far as I can tell, everything was complete and correct. Now I have to resubmit the form for the THIRD time in TWO years. If I were this incompetent in my workplace, I 'd never get a job again.
Fast forward to XX/XX/XXXX. My first recalculated IBR payment is taken from my bank account. I knew it was coming and was prepared. Then I started getting emails that I had n't made any payments and my accounts were delinquent. I called the company and after a very frustrating phone call, I learned that when my loans were put back into repayment through direct debit, they forgot to include one. I went in and fixed it, but once again, mistakes on their part become my responsibility to fix.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate a previous dispute, failed to remove errors on my report
Product: Money transfer, virtual currency, or money service

I use Walmart 2 Walmart money transfer service to send money to my brother when needed. XXXX 2017 he called, asked me to send money which I did. Later that day he called to say that he could n't get the money & that I had to call a number. I called the number which was the compliance department, answered all their questions and was told that my brother was restricted from receiving the money and the gentleman refused to tell me why. After a lengthy conversation of trying to get an answer other than your brother is restricted, I asked for supervisor, I was told the same thing that my brother was restricted without any further explanation. Same day, I went back to Walmart got my money refunded and sent funds via XXXX ( no problem ). During the week, I called the compliance department, after a lengthy conversation and answering all of their questions, was told my brother was restricted. Called back & got someone on the phone, this time I asked if my brother could send a picture of his ID cards because someone was using the same name. We texted a picture of VA ID & his state ID card so they could have on file. Four times I 've tried and now in XXXX, it 's the same problem..no reason other than he 's restricted, maybe someone has same ID, too many people using the same last name, what will the money be used for and after talking with a supervisor my brother 's restricted and they 're investigating the matter.
Product: Debt collection

Im not sure what the collection is even for. The company calls and asks me for personal information before giving me details of my debt. However, I keep track of any bills I owe, so this was strange to me. I told them I would not give them personal information over the phone. The clarified that they had all my information, they just needed to confirm my identity. So, I asked for them to send me a letter with the debt, and then I can prove legitimacy. In todays world its hard to tell what is a scam. Plus, when they call, my phone blocks the number as scam likely so I have no idea the actual number they are calling from.

They refused to send a letter and have since called me anywhere from 3-5 times every day, Monday - Saturday, for the past year. I will ignore the call and they will call back immediately. Sometimes itll take them hours, other times just minutes. However, they always call back. 

Ive spoken to multiple people and told them I will not give out person information to a creditor that will not verify information nor send me a letter of my so called debt, as I asked.