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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Nelnet keeps telling me im late I try and log in and it does not work to apply for the income program I complained Im locked out all NelNet said is I am not locked out OK maybe now I am not HOWEVER now their sites down just another cliche BUT the student is getting harmed by charging me interest and fess and I can not even get on the web site
Product: Debt collection

I recently checked my credit report and found that it includes accounts that were fraudulently opened. I request that these accounts be removed since they are affecting my ability to secure credit. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been reporting about some accounts appear to be old and inactive longer than 7 years on my credit file. This goes against the Fair Credit Reporting Act. The dates are wrong & may be manipulated in order to keep on my file longer which is illegal. 
I am disputing the following credit entries by : XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX ( incorrect data and many years old ), XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX ( many duplicate accounts ), XXXX  XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX was paid in full and XXXX XXXX XXXX   was an account agreed to be removed many years ago and now its back on my credit file under a different name. 

Please remove any information including inquiries regarding the inaccuracy mentioned above. Please review all of my supporting documents including letters to XXXX XXXX XXXX since the debt that they claimed I owed so long ago was false and now under a different name XXXX XXXX XXXX with a new starting year. I do not owe this debt. XXXX XXXX XXXX has removed this info at one time. I previous settlement was made in a payment out of frustration. The creditor at the time agreed the balance was settled but the remaining balance was transferred to XXXX XXXX and now transferred again to XXXX XXXX XXXX or XXXX. It was also transferred over to XXXX & XXXX, XXXX, and XXXX XXXX at one point many years ago. All of the creditors have been in violation in accordance of the Fair Debt Collection Practices Act and have been corrected 8 years ago. These false accounts have denied me recent credit and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.
Product: Credit reporting or other personal consumer reports

My credit increased by {$1000.00} to {$2000.00} and not from {$2000.00} to {$1000.00} the opposite was reported causing my credit score to drop over XXXX points on XXXX
Product: Credit reporting or other personal consumer reports

Certainly!

I am writing to dispute several inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit bureaus maintain accurate and up-to-date information and allows consumers to dispute any inaccuracies.

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize or recognize. These unauthorized inquiries negatively impact my credit score and financial well-being. According to Section 1681b of the FCRA, credit inquiries must have permis
sible purpose and consumer consent.

I request that you conduct a thorough investigation into these inquiries and provide evidence of permissible purpose and consumer consent for each. If you are unable to provide such evidence, I request that these inquiries be promptly removed from my credit report.

Furthermore, I remind you of your obligation under Section 1681i of the FCRA to conduct a reasonable investigation within 30 days of receiving a dispute. Failure to comply with this requirement may result in legal action.

Enclosed with this letter are copies of my credit report highlighting the disputed inquiries, as well as any supporting documentation I have regarding their unauthorized nature.

Please acknowledge receipt of this dispute letter within 30 days and inform me of the steps being taken to address my concerns. I can be reached at the contact information provided above if you require any further clarification or documentation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact XXXX. I am contacting the FEDERAL TRADE COMMISSION INSTEAD due to the misrepresentation of XXXX has continued to include a debt of {$1700.00} by XXXX on my credit report. I check my credit report monthly. XXXX removed the debt on XXXX XXXX, XXXX through the agency DEBT RECOVERY SOLUTIONS. This debt is not mine I did not open the account and XXXX understood that. XXXX is now using the same agency, DEBT RECOVERY SOLUTIONS, however the agency and XXXX has continued to deny my monthly disputes. DEBT RECOVERY SOLUTIONS opened the account XXXX XXXX, XXXX, I disputed the debt XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. On each dispute I included that I did not have any acknowledge of the account nor whom opened the account. When I contacted DEBT RECOVERY SOLUTIONS the representative was rude to me claiming that I knew who opened the account. I asked to speak to the supervisor, she was not available but called me back later that night. When she called she was also rude telling me to contact DEBT RECOVERY SOLUTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting that I have an unpaid Tax Lien. I have contacted the IRS, and the states that I have resided in and I HAVE NO UNPAID TAXES OR TAX Liens. I have tried to contact lexis Nexis but they refuse to address or assist me with this issue. They continue to report this false information, even though I have informed them it is inaccurate,. Please help me, this is affecting me in may ways, my credit worthiness is immaculate, but because of this false information, I am being denied credit and other financial services that I need.
Product: Credit reporting or other personal consumer reports

Please check this complaint thoroughly, this is not sent in error. There seems to be information that was mixed on my report, I kept seeing accounts, transactions and items that are not mine, this is really troubling and it's causing me undue stress and XXXX.
Product: Credit reporting or other personal consumer reports

I recently viewed a copy of my credit report and Ive noticed some fraudulent accounts. Please remove these accounts from my credit report. They are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I called the company 's customer service line to close the account. The customer service phone number is XXXX. After speaking to someone who I thought would close the account, that person said I had to be transferred to someone else. After waiting on hold for XXXX minutes, I was told that there was nobody who could take my call. I was very mad. I asked to speak to their supervisor- they also said that nobody answered. Really? They have plenty of people available to open an account but no one available to close the account? This is horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  two times on XX/XX/18 and XX/XX/18 regarding unverified accounts : XXXX/XXXX  XXXX ; XXXX XXXX XXXX ; XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; and XXXX XXXX XXXX XXXX. Despite two written request, the unverified items listed still remain on my credit report in violation of Federal Law. XXXX and other credit bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigations, they stated in writing that the items were " Verified '' and they were being " Reported correctly and/or updated ''. Who verified these accounts? Who did you talk to? What documentation was received to do accurate updates? What were the dates and times of these actions? What contract did you receive bearing my signature to confirm these accounts are indeed mine and not someone else with my same alias? They have failed to prove me with any original documentation as required under 609 ( a ) ( 1 ) ( a ) and section 611 ( a ) ( 1 ) ( 1 ). I want them to be advised under section 611 ( 5 ) ( 1 ) of the FCRA - they are required to " ... Promptly DELETE all information which can not be verified ''. I demand the following items be verified accurately and myself provided with required documentation or for these items be be DELETED permanently from my credit file.
Product: Credit reporting or other personal consumer reports

In accordance of the fair credit report. I checked my credit score and was shocked to se all the hard inquiries on my transunion report that I did not and didn't give any information or permission to check my credit. So by federal law it is called identity theft and want transunion to delete every single hard inquiries on my report. I AM ATTACHING SCREEN SHOTS OF ALL MY HARD INQUIRIES THAT ARE REPORTING ON MY TRANSUNION REPORT WITH THE NAMES OF THE BUSINESS AND DATES IT WAS INQUIRED. ALL THEM ARE UNAUTHORIZED HARD INQUIRES AND I WANT THEM REMOVED.

I WENT AHEAD AND FILLED A FTC REPORT AND POLICE REPORT.

THANK YOU
Product: Student loan

I called today XX/XX/XXXX to follow up that my loan count be updated based on XXXX. Previously, I uploaded the required for that was signed by my HR at XXXX on XX/XX/XXXX and staff said that would be processed. Today another representative at MOHELA said that form will be denied because it was signed in XX/XX/XXXX and uploaded in XX/XX/XXXX. When I asked to speak with a Supervisor, I was placed on Hold for 15 minutes and I had to hang up.
Product: Credit reporting or other personal consumer reports

The derogatory rating on my account is a serious issue for me. I'm very concerned about how it's affecting my credit. It's already led to a loan application being denied and higher interest rates on my existing credit accounts. This negative rating is causing me severe financial and emotional stress, which will continue until the matter is resolved.
Product: Credit card or prepaid card

Per the terms of my Bank of America Account. 

HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs Specifically the last sentence stating the payments in excess of your Total Minimum Payment Due will be applied balances with higher APRs before balances with lower APRs. 

The statement before this XX/XX/XXXX - XX/XX/2019, I had a balance of {$1500.00} subject to interest and a minimum payment due of {$210.00} by XX/XX/2019. 

During this current statement of XX/XX/XXXX - XX/XX/2019, I made payments of {$6900.00}. This more than covered my minimum payment due and should have covered the entire balance subject to interest of {$1500.00} and some. However when looking at my statement this month it is still showing a balance subject to interest of {$550.00}. 

How is this possible? I overpaid my account more than {$6000.00} and this should have covered any balance subject to interest. I still have other balances on my account that are not subject to interest at this time. 

Please see attached pictures and statements.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Charge-Off Reporting Account Number : XXXX Dear Sir/Madam, I am writing to dispute the inaccurate reporting of a charge-off account on my credit reports with Experian, XXXX, and XXXX. The details of the account are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Unsecured Status : Charge Off, {$540.00} Balance Past Due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Accuracy of Reporting ( Section 623 ) Under Section 623 of the Fair Credit Reporting Act ( FCRA ), creditors and debt collectors are required to report accurate and complete information to credit reporting agencies. This account was charged off in XX/XX/XXXX. However, the balance due is still being updated to {$540.00} as of XX/XX/XXXX, which indicates inaccurate reporting. The account status has been incorrectly updated with an outstanding balance, despite the charge-off status. 

Duty to Update ( Section 623 ) According to Section 623 ( a ) ( 2 ) of the FCRA, creditors must correct any inaccuracies or incomplete information. If an account is charged off, it should be reported as such and not updated with ongoing balances. The account has been reported as a charge-off multiple times, but it still shows a balance due, suggesting that the account status is not accurately maintained.

Information Retention ( Section 605 ) Under Section 605 of the FCRA, negative information such as charge-offs can remain on a credit report for up to seven years from the date of the original delinquency. However, once charged off, the account should no longer show an ongoing balance. This account continues to show a balance, which is not in compliance with the FCRAs reporting requirements. 

Dispute Process ( Section 611 ) I am exercising my right under Section 611 of the FCRA to dispute the inaccurate information reported. I request that you investigate this matter and correct the inaccuracies on my credit report. The continued reporting of this charge-off with an outstanding balance constitutes a misuse of my credit report and a violation of multiple FCRA regulations. 

Please remove the incorrect balance from my credit report and update the account status to reflect the correct charge-off information. I expect a prompt resolution to this matter. Please confirm the correction by mail or email at the addresses listed above. 

Thank you for your immediate attention to this matter. 

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

I have sent several notices over the past year or two to the three main credit bureaus ( XXXX, EQUIFAX, AND XXXX ) to dispute information on my report that should not be on there as well as advise them that they are in violation of many federal laws with the way they have been handling my credit profile. 

First of all, i have not given these companies any authorization to utilize or distribute my personal identification documents or authentication features. It is a violation to obtain my personal data and report information attached to said documents without my consent. 

There have been multiple inaccuracies across all three bureaus on most of the accounts they are reporting on. From account opening/closing dates, balance amounts, status of the account, payments made.. etc. Neither company has consistent information reporting and i requested that they validate all the information and authenticity of the accounts that they are reporting on. But they have not supplied any detailed information about whats going or the source of their information. These accounts need to be removed from my report immediately since they are not doing their due diligence to validate and certify that the information they are reporting on is true. 

They have also allowed fraudulent collection agencies to report on my account as well and refused to properly verify and validate the information being reported. 
Its seems like any company can just obtain my social security number and name, pay them some money, and they can start reporting on my account even though no debt is owed to them and i have no knowledge of said company or any agreement with them. 
This is a violation and is fraudulent. 

The inaccuracies of these reports have caused a lot of damages to me mentally and physically and limit my ability to prosper in life. 
As a consumer, i have rights and protections under the law and these companies need to be held accountable for the many violations they are committing. 

I want these issues looked into and handled immediately.
Product: Debt collection

On XX/XX/2018, Atlantic Recovery called my parents phone number and advised they were attempting to collect a debt for me. They shared they account name and amount. The agents name was XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been researching my consumer rights for the purpose of preparing this letter today. I have found information listed in the Fair Credit Reporting Act Title 15 U.S.C 1681 that is applicable to your responsibility as a credit reporting agency. In summation, these sections require that you conduct an investigation to determine the validity and accuracy of the items I am disputing. If you are unable to successfully prove them with verifiable proof, then you must remove them within 30 days of receipt of this letter. Please also note that verifiable proof includes all of the original documents, signatures, etc. that claim to be associated with each account aforementioned. I will not accept 3rd party verifications.

In your correspondence, please include any and all evidence including the original signed documents. I have done my research and I know that you may use an electronic verification system from a third party to verify the accounts below. However, that will not suffice in this case because I am requesting copies and any and all original documents ( including original signatures ). 
Your failure to positively verify these accounts in the first place has impacted my ability to be trusted by potential creditors and progress in my life. Under the law aforementioned, unverified accounts must be removed. If you choose to keep these items on my credit profile, then I demand a copy of any and all of the verifiable proof that you claim to have. Please also remove any inquiries from my account that are not applicable to my credit profile.
Product: Credit card or prepaid card

I applied for a surge credit card and was approved for a XXXX dollar limit. Once I received the card i webt thriugh the online account set up. But once I read the interest rate abd fees I hung up on the account activation specialist abd decided not to activate the card. HOWEVER, continental finance still activated my account and though the card was thrown away and never activated for use, they are saying I owe XXXX dollars with XXXX dollars past due. I never activated the card, I never fully opened the account. I decided I didn't like the terms. I thought The account would be closed when the card was not activated. If they did activate the card they never got my permission. AGAIN the card was never used but I have a XXXX dollar ballance? with XXXX due and XXXX past due? What? No way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Experian 5 times on XX/XX/2018 to have a Personal Statement/security statement/fraud alert removed from My credit file and i can never get any customer service representative to pick up the line all it does is redirect and loop you over and over and there is no option to speak with any one. I spent 2 hours calling at random times and its the same results.
Product: Debt collection

Please delete this Hunter Warfield collection account from my credit report, as the original creditor, XXXX XXXX XXXX, sold my account to a collection agency without providing proper notification. This action is a clear violation of my rights.
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 ( XXXX ), 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. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX XXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year>