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

I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,  2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
Product: Credit reporting or other personal consumer reports

this was an account opened by my XXXX husband back in XXXX and i had no idea he was opening accounts using my social security number this is causing me GREAT distress and has literally ruined my credit for the last XXXX years now! i wrote them and THEY decided the outcome! i am an elderly person living only on my social security at this point and dispute this debt ... .STILL. please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I believe on behalf of XXXX Mortgage, made a hard credit inquiry on my account without authorization on XX/XX/2018. 
XXXX Mortgage currently holds the mortgage on my house, the mortgage was XXXX in bankruptcy. The bank was involved in a short sale process at the time the inquiry was made. I am not seeking credit from XXXX XXXX XXXX, XXXX XXXX XXXX, or any other mortgage company. In fact, I had not applied for any credit from any company. 
I spoke with the credit reporting bureaus after finding this inquiry had been made, and they told me I had to go back to the company that made the inquiry to get it removed. I contacted XXXX, requesting that the hard inquiry be removed, as it should not have been made, and was not authorized. However, I have not received further communication regarding this issue, and the inquiry has not been removed. 
Thank you for your assistance. 


XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I have already brought this matter to your attention ; See Attached removal of inaccurate personal information, name, addresses, social security numbers, employment information. 
However, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 USC Section 1681 n.

Impact of Your Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit scores : Resulting in the denial of credit or higher interest rates.

Emotional distress : Caused by the negative impact of inaccurate credit reporting Financial harm : Due to credit denials or unfavorable terms for loans or credit lines.

My Demands : In light of, the harm caused by your willful noncompliance with the FCRA, I am requesting : 1. Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue Compensation for damages : I reserve the right to pursue legal action under 15 USC Section 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
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. 
I told the XXXX and XXXX to reinvestigate these account : Account name : Diversified Adjustment Service , IncXXXX XXXX XXXXHowever, 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

Dear XXXX, I consider this matter to be of utmost seriousness and respectfully request that all communications be conducted in writing via the Consumer Financial Protection Bureau complaint portal. Once again, I explicitly do not authorize any telephone contact. In my previous correspondence, I have provided documentary evidence detailing the dates and times of your phone calls. I have attached an updated copy of that report for your further investigation. Should these communications persist, I must emphasize that they may constitute harassment under the Fair Debt Collection Practices Act, and I retain the right to pursue appropriate legal actions to ensure compliance and protection of my rights. 

Please provide verification of your claim, by providing me with true and certified copies ( Not photocopies ) of the Deed of Assignment ( NOT Notice of Assignment ) and Deed of Novation. Please also provide me with the name of the individual who is the duly authorized representative from PORTFOLIO RECOVERY ASSOCIATES , LLC ( XXXX, XXXX ), who has seen the Original Note and is certifying these assignments as certified copies and that PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, XXXX ) now has the Original Note ( Credit Agreement ) under penalty of perjury and with unlimited liability and confirm that the Note has never been sold prior to your company purchasing this account. Please also confirm the name of the individual who is the duly authorized representative from PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, XXXX ), who has carried out due diligence under the Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account. 
Please provide this information and documents within ten ( 10 ) days from the above date, so that I may settle any financial obligation I might lawfully owe. Your said failure to provide verification of your claim constitutes your agreement to the following terms : that you are a third party interloper ; you have no legal standing ; no first-hand knowledge of this matter ; your claim is fraudulent ; any damages I suffer you will be held culpable ; you agree to pay all fee schedules ; that any negative remarks made to a credit reference agency will be removed and that you will no longer pursue this matter any further. 

Should you provide adequate evidence that I owe your organization any outstanding amount and that you have been properly assigned to collect this debt, I am willing to settle any verified claim in full. 
Yours sincerely
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items listed to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed 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 -- -i ) 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my consumer credit report immediately : TransUnion XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$180.00} Account number XXXX Date opened XX/XX/XXXX Account type Open account XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX {$350.00} Account name XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX XXXX sold - Account type Collection Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$180.00} Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold Account type Collection Date opened XX/XX/XXXX Status Collection account. {$180.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XXXX  I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XXXX 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XX/XX/. Therefore, your response was due on or by XX/XX/. Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX  to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate. 
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX. Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am writing to bring to your attention two critical issues pertaining to my credit report that require immediate resolution.

Firstly, despite making full payment on my account with XXXX XXXX XXXX in XX/XX/XXXX, the credit report continues to inaccurately reflect a balance owed. I have diligently pursued resolution of this matter by engaging in multiple discussions with XXXX XXXX and the branch manager over the past two months. Regrettably, despite these efforts, the credit bureau has yet to be updated to reflect the XXXX balance as confirmed by the bank officials. 

Secondly, I must address a concerning discrepancy regarding a missed payment with XXXXXXXX XXXX XXXX in XX/XX/XXXX. This isolated incident is entirely uncharacteristic of my financial history, as evidenced by a pristine record of timely payments over the past three years. The missed payment occurred despite the payment being set on auto-draft, indicating a potential error or oversight beyond my control.

As I am actively in the process of securing a mortgage to purchase a home, the accuracy of my credit report is paramount. The unresolved balance and the adverse impact of the missed payment have significantly affected my credit score, potentially jeopardizing my ability to proceed with this important financial endeavor.

In light of these circumstances, I urgently request your assistance in promptly rectifying these discrepancies and ensuring the accuracy of my credit report. I am prepared to provide any documentation or evidence necessary to support my claims and facilitate the expedited resolution of these matters.

Your prompt attention to this request is greatly appreciated. I trust that you will take the necessary steps to address these issues and restore the integrity of my credit report without further delay.

Thank you for your time and consideration.
Product: Student loan

I became of member of XXXX  / XXXX / XXXX monitoring and when reviewing my credit reports I noticed that XXXX XXXX is reporting 120 days of late payments ( {$43.00} ) for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to the XXXX   XXXX several times by telephone to discuss the errors on my account and the miscommunication. During that time period I was dealing with a hardship and contacted them. I can remember I did my loan forbearance over the phone with a very nice and professional customer service representative who was very understanding and told me everything was taken care of, but after reviewing my credit I seen my forbearance wasn't taken care of, so I reached out to XXXX for help. 

I thought that I can handling this issue directly with the company and my problem will be solve, only to find out their Customer Service Representatives are extremely rude and unwilling to listen and help you with your problem. Ive been an upstanding customer and always paid and handle my account issues in a timely matter since my account been transferred to XXXX its unfortunate that the nice lady that I spoke with back in XX/XX/XXXX didnt handle my account correctly. 

In XX/XX/XXXX I submitted a written letter informing them of this issue and the only thing I received back was an electronic response letter in my account porter saying they received my credit request and that they are needing more information which I submitted by mail and gave them a copy of my credit report. 

Latest phone conversation XX/XX/XXXX : I contacted XXXX to see how this issue can be resolved. The customer representative was so rude and didn't allow me to finish my claim she said NO! sorry there is nothing I can do. I tried to explain to her that everything was done over the phone back in XX/XX/XXXX she continue to basically tell me Im a lie. I asked to speak with the Supervisor. I was then placed on hold for a long time ; the supervisor came on and basically said he couldnt do anything either and I will need to submit a dispute form and it will go into review and it will take 5-7 days to receive a respond. Its very frustrating and unfair that I have to take the blame and say it was my fault so that I can be consider for an adjustment. 

XX/XX/XXXX : I spoke a new customer service rep. name XXXX ( employee # XXXX ) and asked her about the 5-7 days response and she quickly told me NO Ma'am! you will not hear anything back from us about your dispute until 30-60 days. Why am I getting the run around and different answers from employees a few days ago I was told by a XXXX supervisor that it will take 5-7 days To add, I just recently did a Disaster Forbearance due to Hurricane Harvey and everything was done over the phone with no paperwork or with my signing ( XX/XX/XXXX-XX/XX/XXXX ) - safe to say nothing have been reported yet. 

please help! I tried to collect all the documents I can find*
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$140.00} Original balance {$140.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 

Dispute this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXXXXXX I disputed 2 student loan accounts that showed I had 4 late payments ; 2 late payment in XXXX and 2 in XXXX. 

I disputed these late payments with Equifax but have never heard back from them. Then in a recent review of my Equifax credit report I find that these late payments are still reflecting on my credit report. 

When I contacted the Dept of Ed they told me that I had to dispute these late payments with the credit bureaus. I did what I was told and no results!
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been update as charged off every month this is an update in the payment history.A charged off account should not incluide an active payment history.this inaccurate information falsely manipulates the statute of limitations, You failed to investigate this account properly and your neglect has violated my rights .I am demanding a deletion of the following account XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged into XXXX today to check my credit report and saw this collections account. I have addressed this issue multiple times with the credit bureaus and it keeps showing back up. I have never had an account with XXXX XXXX. This account is either fraud or belongs to someone with a similar name as me. I was never contacted by the collections agency prior to this account showing up on my credit, in violation of FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX   only reporting me 30 days late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I check my credit score and seen I had accounts open that I have no knowledge of and Im trying to buy a house and its defamation to my character and livelihood
Product: Payday loan, title loan, personal loan, or advance loan

I entered into a settlement with mariner finance to eliminate the debt that I had with them. The settlement agreement was for the amount of {$1400.00} to begin XX/XX/XXXX. 
I completed the settlement in two payments using the online portal, the first for {$110.00} on XXXX the second for {$1300.00} on on XX/XX/XXXX bringing the total to exactly XXXX. 
As of XX/XX/XXXX they have not acknowledged the settlement was complete, still add additional late charges, and marked me as charged off ( not settled ) for the month of XXXX. 

The settlement agreement said " upon completing the agreement, mariner finance will report your account as settled to the attorney and court ''. After 30 days, they have taken no action and continue to falsely report additional negative information.
Product: Student loan

My Federal Student loans have been in the SAVE Plan as part of the Public Service Loan Forgiveness Program. I enrolled in the SAVE plan previously and was making PSLF qualifying payments until the court injunction caused the loans to be placed into forbearance. In order to start making qualifying payments again, I submitted an IDR application in XX/XX/year> to switch to the IBR plan. This has been " In Review '' with MOHELA with no response since that time. Based on information from StudentAid.gov, this application should be processed or if not within 60 days, loans placed into a processing forbearance which would count towards PSLF until they are placed in the correct plan. I am missing out on time towards PSLF forgiveness and anticipate this is costing me thousands of dollars in the future due to changes in income level over time ( cheaper payments not being able to be made now versus expensive payments in the future ). I am unable to get in touch with anyone from Mohela to address the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to them on XX/XX/23, and asked them to stop reporting my innacurate information to the 3 credit bureaus without my permission. They are reporting late payments as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received letter from " Barclays '' XX/XX/2021 re : needing more info. before they could make a decision. Sent them Drivers LIc. front and back SSI card front and back. I called them and they said to send it, I did. I called Barclays XX/XX/2021 to make sure it was legit and they could not find where they sent me a letter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  I do not want to have this erroneous information in my report. It is an abuse that I am having bad credit because of this.