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

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to XXXX XXXX, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.
Product: Student loan

My loans are in a forced forbearance because of the SAVE litigation ( I was in SAVE repayment plan ) I submitted to switch to IBR-based repayment program on XX/XX/XXXX. 
My loan servicer is Mohela Federal Student Aid has provided documentation that within 10 DAYS OF SUBMITTING FORMS TO SWITCH PLANS, loan servicer should put me into a processing forbearance. They still have not done this. I have called and emailed Mohela repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) without answers.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address XXXX - Incorrect Address XXXX XXXX - Incorrect Name
Product: Payday loan, title loan, personal loan, or advance loan

I needed a loan but didnt want to go over my debt to income ratio. I had a prior loan with Springleaf which was One Main Financial previous name. I was approved for more than I needed to clear the existing debt. Now Im in court being charged for both when I was struggling with the first loan.
Product: Checking or savings account

XXXX   XXXX   is trying to get my bank info so I ca n't access my check early ... I give them permission but Bank of America is taking forever
Product: Credit reporting or other personal consumer reports

Account doesnt belong to me inaccurate reporting to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UN

DER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALS
O STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX ) HELVEY & ASSOCIATES INC XXXX XXXX XXXX XXXX XXXX XXXX HELVEY & ASSOCIATESXXXX Dear collections Department I hope this letter finds you well. Im reaching out not to deny my responsibilities but to ask for a detailed validation of debt you've claiming under the fair debt collection practices act, specifically section 15 USC 1692g sec. 809 ( b ) this isn't about confirming my address ; I need concrete proof of my obligation to settle this debt with you. 

Could you kindly provide the following details. 
: The reason for the debt and what it's pertains to : A breakdown of how the amount was determined : Any agreements that bear my signature indicating my consent to pay the specificed amount : If there's a judgement included, a copy would be helpful : The name of the original creditor : assurance that the statute of limitations for this debt hasn't lapsed. 
: Your authorization to collect debt in my state, Including your license numbers and the name of your legal representative I must also inform you that if I discover any inaccuracies reported by your agency to the credit bureaus ( XXXX, XXXX, XXXX ) it could lead to legal repercussions for potential fraud. 

Should there be any negative remarks from your end on my credit without proper validation I'll be compelled to defend my rights, which might include legal action for violation of relevant acts and determination
Product: Credit reporting or other personal consumer reports

Unfortunately CFPB does not have a category for unfair credit reporting practices by credit reporting companies so I selected this category. XXXX has recently lowered my credit score because I paid off my car loan. Shouldnt it be the other way around? I have now have less debt. The reasoning seems to be that that credit reporting companies would like to see accounts remain active but this is not a revolving credit account. It seems Credit Reporting companies will use any information to lower consumers credit scores.
Product: Credit card

I paid off this card. I was checking it as they are VERY scrupulous and they seem to be FRAUDULENT. I will give all examples as they need to be investigated ASAP! Please. I would turn this into the atty generals office, but they seem to be untrustworthy with investigation unless it tickles his fancy. 

XXXX. I had a XXXX balance, but the card continued to get declined. I never placed a hold on the card. It got declined numerous times at dominoes pizza. I then called over to Milestone credit. They lied, blatantly. I am XXXX severely now and a severe XXXX. She claimed a " hold '' was placed on my account due to FRAUD, but I caught her in a lie. How! Well, if a fraud is on a person 's account you need to CONTACT the consumer immediately and speak to them about it. This never HAPPENED. They lied! And, they got caught.

2. When you call this company called milestone credit card, the only way you can access your credit account is by punching in the last four digits of your social security number which is frightening. I have tried to bring this to their attention before, but they have ignored me. It should be the last four of your credit card, then the last four of your social for security purposes. Any XXXX, XXXX, or XXXX, stalker, or XXXX of the three people who have stolen my identity could call to get my credit card information and decide to mess around with me, harass me through my credit card which is illegal, and to harass me, and get my credit information with my XXXX number is extremely illegal. They lied! Blatantly! After I spoke with them they released the hold, but I want them held accountable for this.

3. When I called today, my balance was WAY off. There is no explanation of it either. Usually on credit cards you can access this information and the charges. Nothing. There is some sort of fraud happening with this company. Please investigate. Also, why are you not asking for who the company is? Do you not need this information to investigate them? RIGHT?
Product: Debt collection

The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : Experian, XXXX and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXXXXXX XXXX XXXXXXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

COLLECTIONS Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$96.00} Remarks -- Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$43.00} Remarks Account paid for less than full balance Account Details Last Reported XX/XX/XXXX Collection Agency CREDIT MANAGEMENT CONTROL Original Creditor XXXX XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$77.00} Remarks Account paid for less than full balance Creditor Contact Details CREDIT MANAGEMENT CO  XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have continually disputed incorrect information about  XXXX    XXXX   XXXX   XXXX   XXXX   on my report. Company comes back stating " company verified it was mine. '' However, they never have any documentation. After requesting documentation from the debt collector and not receiving any proof, there is no record of the account. Therefor, the account is continually being shown on my report despite no proof of any original documentation or that it is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the rights to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 15 USC 1681b ( a ) ( 2 ) states consumer reporting agencies can NOT furnish a consumer account without written instructions of the consumer who it relates to. I did not give anyone permission to do so which is in violation according to federal law. 

I am referring to the accounts showing in the attachments below for each credit reporting agency as well as the inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 XXXXXX/XX/XXXX
Product: Mortgage

Shellpoint said that my property is XXXX. That is not factually accurate because I still have title to my property meaning I own property. There has been no deed or title transfer from the court. Shellpoint can not provide any document that shows I do not own my property currently. Florida is a judicial state and a title state.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX Balance : XXXX
Product: Credit card

I became late on my payments due to having the automatic payment feature turned on on my account and after I realized that I was late on my payments I paid in full the past due amount in order to keep my accounts current I was never warned that I was going to have my account closed and then they closed my accounts as well as closed a free credit monitoring service they offered account for me as well in addition to this they stated on their website that my account was just restricted but my account is actually closed with them whenever I tried to dispute charges according to their guidelines on their billing statements for items that I was not happy with they refused my dispute and recharged me for the items in dispute. They have not given me any options to open my accounts back up nor did they give me any reason for them to close my accounts when I asked them and even wrote them XXXX different times.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation not mine inaccurate information sent ftc and po report
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had eight ( 8 ) late payments on an account 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 account : XXXX : Enter Account Number XXXX dates erroneously reported - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, I requested proof that the information was verified. XXXX XXXX XXXX I do not recognize this account. Please REMOVE from my report. Please send back an updated copy of my credit report to the address listed on my I.D . Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided Experian proof of a student loan that was paid off. I have also provided CFPB with the same documents. My student loan debt, in the amount of {$68000.00}, has been paid off to XXXX XXXX XXXX and I have documents to prove it. Experian refuses to actually call XXXXXXXX XXXX XXXX to verify and correct this issue. Experian is very rude when you try to call them to get this resolved. I need someone to help me get this resolved so this {$68000.00} debt can get off of my credit report. XXXX  and XXXX   have this loan paid off correctly, but for some reason Experian can't get their act together even when documentation has been provided. PLEASE HELP ME!
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 15 USC 1681 XXXX XXXX XXXX XXXX  account # XXXX has violated my rights. 

XXXXXXXX XXXX  XXXX account # XXXX has violated my rights. 

XXXX XXXX account # XXXX has violeted my rights. 

XXXX XXXX XXXX XXXX  account # XXXX has violeted my rights. 

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 602 A section 2 : also states a consumer reporting agency connot furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) 5 section states : no consumer reporting agency may make any report containing any of the following items of information, other than records of convinctions of crime which antedates the reort by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agengy 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

My name is XXXX XXXX and I am submitting this complaint without any influence from agency or third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen last XXXX and several credit cards were opened and successfully had charges on them ( not very much, but enough ). These fraudulent accounts were caught quite quickly and closed. My credit score was XXXX prior to the fraudulent activity. After, it was XXXX. One year later, it has not recovered at all despite the information being " wiped '' from my credit report. Experian is stating there is nothing that can be done. They are stating that I should be contacting the companies I do business with like XXXX XXXX, who are providing a free FICO score as a benefit through my card. XXXX XXXX is stating that I need to contact Experian. I am stuck in a vacuum, with no way out and no hope of a better score. I am paying more on things like car insurance because of this nightmare.
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

It is about Kohl 's reporting. They reported late payment to the credit bureau. 
Purchased several items on XX/XX/XXXX XXXX order # XXXX XXXX I receive the latest item on XX/XX/XXXX. 
Value {$100.00}. Not sure what was the due date for the cc payment ( i have only access to the last XXXX statements through their website XXXX, probably somewhere around XX/XX/XXXX. That is the date on other statements that I have access to. 
I contacted them in XXXX just after the mandatory store closing around XX/XX/XXXX. 
I was asking about returns. I wanted to return most of the items but the store was closed. I was told by customer service not to worry. I can do that after reopening. No one knew at that time how long the stores will be closed. No one told me that I have to pay the balance at that time. I assumed that because we were in a special situation Covid 19 that everything works different way at that time. 
I understood that I don't have to do anything at that time. 
In XXXX XXXX around XXXX ) I was planning to buy some more items from the store I called them and I learned that I have an unpaid balance and that they are charging me extra fees for that. I explained the situation. I was told that I have to pay the balance and everything will be taken care of. Paid the balance and the fees were credited to my account. 
But after a few days, I have learned that they posted late payment to the credit bureau. Because of that my credit score from over 800 went down to XXXX. 
I was told by the Credit Bureau to contact Kohl 's to reverse that. Kohl 's refuse to do that! 
I think that I was treated unfairly. I was doing what I was told to do by their customer service. It was an unusual situation because of Covid 19 and the credit reporting should be reversed! I returned the purchase items in XXXX after they reopen the stores. It was my first and the only one late payment in my history!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit reports, I realized that the same accounts were erroneous. The 3 credit bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reported accounts 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 accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$84000.00}