23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX and Equifax credit bureaus must verify his item in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this item as unconfirmed information without validating them within the legally required time range. This false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XX/XX/XXXX and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted Transunion by phone to see why the account is still showing a balance. I was told by the XXXX representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Product: Credit reporting or other personal consumer reports

RE : Discrepancy in Credit Report Listings XXXX XXXX XXXX ( Account # XXXX ) I am writing to formally raise a concern regarding a discrepancy in the reporting of my credit account ( # XXXX ) across the three major credit bureaus - XXXX, XXXX, and Experian. My recent review of my credit reports revealed inconsistent information regarding the open date of this account. 
XXXX 's report shows an open date of XX/XX/, while XXXX reports the open date as XX/XX/ and Experian is reporting XXXX also .This inconsistency is concerning and, as per my understanding, violates the principles of accuracy and completeness as mandated by the Fair Credit Reporting Act ( FCRA ) Under 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
I have previously disputed this information, but the discrepancy was reported as validated and the inaccuracy remains on my credit reports. This is not only misleading but potentially damaging to my credit standing. The FCRA stipulates that all information on credit reports must be accurate and complete, and up-to-date. The current reporting fails to meet these standards.Therefore, I request an immediate deletion of the account. The importance of precise and consistent credit reporting can not be overstated, as it directly impacts my creditworthiness and financial reputation.Please find attached copies of the credit reports from Experian, XXXX and XXXX, highlighting the discrepancy for your reference. I trust that you will address this matter with the urgency and seriousness it deserves. 
I expect a prompt response to this letter, confirming the commencement of the investigation and the actions being taken to rectify this discrepancy. Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 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 maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : DEPT OF EDXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

Missing information, account status shows delinquent accounts, payment history and payments made to this company are not correct. The account shows a history and late payments which belong to another mortgage company. 
The account history and payments made are deceptive and unlawful I never had an account until the date of XX/XX/2024 its impossible to show any payment history prior to that date. 
The loan company is unfair and unethical to use payments made to another lender when account is disputed for errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : -XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a heloc taken out in XXXX XXXX. I have called Experian several times and the few times I was able to get a human they have not had a XXXX call me back. In the beginning they told me to file a dispute although I told them it wouldn't resolve it because my credit union reports it correctly and is categorized correctly with XXXX and XXXX. Only Experian categorizes my heloc with my credit card accounts instead of under XXXX XXXX, thereby making my utilization ratio not calculate correctly with XXXX. By their own words on their website the XXXX does not affect utilization ratio because house is secured. Yet, even with my credit union notifying them of this and me sending them info, they have not done anything in this last almost year. All they need to do is move the Heloc from credit card acts and put under XXXX XXXX and XXXX is set up to then calculate it correctly.
Product: Student loan

I am a XXXX XXXX so I am part of the PSLF program in order to have my loans forgiven. Part of that process is re-certifying my employment and income each year. On XXXX XXXX, 2017, FedLoan Servicing stated that my new payments would be {$470.00}. I called in to confirm that my employment verification was also received. The person on the phone told me I could have an even lower payment amount if I switched to the REPAYE program and that it was still one of the covered plans under PSLF. I certainly would love a lower payment so I switched. Today, XXXX XXXX, 2017 I received an email that my new monthly amount was {$790.00}!!! Almost {$300.00} more than my previous payment. I would have NEVER switched plans if this was going to happen. FedLoan Servicing said they made a mistake in their original calculation of {$470.00}. I want to go back to my old plan and my old monthly amount.
Product: Vehicle loan or lease

My husband and I requested a deferment through XXXX XXXX and they told us what we needed to pay and when in order to obtain the deferment on the payment. They sent us an agreement which we signed and mailed back. We have paid exactly what they told us to and when to pay it and now they have reported lates on our credit and stated that they did not receive the signed agreement back within 10 days so the deal is null and void. This is NOT acceptable. We mailed the agreement back and its not my fault if they did n't get it. We paid the terms as agreed as we were instructed. They need to honor the agreement, reverse the additional late fees, etc. and correct the negative reporting to the credit agencies. I could see it if we did NOT pay the agreement as required but we did. This is the holiday season and I am sure the post office is buried and the signed and executed letter is either lost or delayed due to the volume of mail that goes on at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, M.I. XXXX Subject : Cease and Desist Demand Dear Midland Credit Management, I am writing to formally request that you cease and desist all communication regarding account number XXXX that you are currently pursuing against me. 

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically citing the following sections : 15 U.S. Code 1692c : This section prohibits debt collectors from communicating with consumers at their place of employment if they are informed that such communications are prohibited. 

15 U.S. Code 1692g : This requires that debt collectors provide consumers with a written notice within five days of initial communication, detailing the amount of the debt and the name of the creditor. If you have not provided such notice, you are in violation of this statute. 

15 U.S. Code 1681e ( b ) : This mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. If any inaccuracies exist in your records regarding my account, I demand that they be corrected or deleted immediately. 

Please consider this letter a formal notice that I do not wish to be contacted further regarding this matter. Any future communication, unless initiated by me, may be considered harassment under the FDCPA. 

I expect written confirmation that you have received this letter and have complied with my request within 15 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Hello, this is in regaurd to expierian. I 've struggled with XXXX my whole life and my majority of derogatory marks and accounts in collection are a result of that. Additionally expierians accounts in collections differ in company ownership from one bureau to the next. That said I am a firm believer of holding one accountable for their actions. But these records from XXXX to XXXX were during a time I was fighting major XXXX ranging from XXXX. I 've struggled with XXXX for as long as I can remember in childhood. None the less I have since XXXX XXXX regained control XXXX and turned my life completely around at XXXX with XXXX helping. I 've been employed for almost 2 years now and since my first job at XXXX never worked longer than 3 months. I 'm motivated, passionate and optimistic of my families future but the weight from my problems yesterday are hindering me of today 's true potential. All thing 's considered not to mention having documentation of said woes, hospitalizations, psychiatry, medication ect. I 'm asking for a second chance and strongly believe I deserve XXXX through XXXX negativity and collection be forgivin. As well as any coinciding information as a result of illness.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Cash App failed to take effective measures to prevent and address fraud on their platform. Leaving my account vulnerable and unprotected. The dispute resolution process is unfair and deceptive. They did not comply with error resolution requirements under Electronic Fund Transfer Act and Regulation E. These actions caused major inconveniences and financial loss. I seek appropriate help for these violations.
Product: Mortgage

In XX/XX/XXXX I was contacts by Santander Bank to renew my HELOC which I have had for past 9 1/2 years. I have never been delinquent the entire time and have a XXXX out of XXXXcredit score. The home is unencumbered and was appraised at $ XXXX. The Bank Rep. initially discussed increasing my $ XXXX LOC because of my exemplary record. After substantiating all of my assets and income that far exceeded my loan request they counter offered @ $ XXXX. When I asked theyre on reconsider they sent me a letter on XX/XX/XXXX that could not consider my application for many bogus, and non existing issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX credit card being reported by Experian, XXXX and XXXX. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states : a consumer reporting agency can not furnish an 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. 

I did not report this credit dispute with XXXX XXXX to any reporting agency and I have never consented to the use of my private information for reporting purposes. I have attempted on numerous occasions to pay this card of via negotiable instrument, to which XXXX XXXX has accepted but not updated the account as Paid In Full.
Product: Credit reporting or other personal consumer reports

I wanted to acquire Vehicle with low interest but unfortunately I Have Damages on my credit report. According to the 15 U.S.C 1681-Law their should not be any damages on my credit report its a deformation to my character.
Product: Payday loan, title loan, or personal loan

I was contacted by a company qc holdings claiming i owed a cash loan company for. XXXX loan XXXX they wouldnt send me a copy of bill or tell me what the loan companys name address or phone number they had all my info but all they wanted was for me to pay or they would sue me..they said contact trump for stimulus check and bung up they called from XXXX..refused to give me any info except amt and for me to pay with no information provided and they hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

Continue to appear after dispute in credit report XXXX XXXX XXXX XXXX outdated information.
Product: Credit reporting or other personal consumer reports

My Consumer rights have been violated under the FCRA and is in violation of requisite METRO2 Compliant reporting standards as well as 15 USC 1681EB. On XX/XX/2024, I became aware of inaccurate reporting of my personal information for which I sent a certified letter requesting an update of that information. I received a copy of my update credit report where I noticed a plethora of errors as all 3 Credit reporting Agencies, which includes Transunion, were not accurately reporting accounts and reported them differently. I requested deletion of accounts that were not accurately reported. Even after, Transunion invesitigated, verified and validated accounts, information is still inaccurately reported by all 3 CRAs. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Information on the consumer report must maintain Maximum Possible Accuracy.Accuracy means- correct in all details ; exact15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.The details of the accounts are inaccurate they are not exact in details and amounts.
Product: Credit reporting or other personal consumer reports

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or 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- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

USAA bank offers fixed rate CDs. When I purchased my CD, I was told by the representative that I could speak to the service department and have the CD changed so that it would not automatically renew. When I contacted the service department on XX/XX/2023, they indicated that I could not change the CD to not automatically renew until the 10-day grace period. Additionally, documents on their website at https : //www.usaa.com/inet/wc/advice-finances-everything-to-know-about-cds say the following : " When your CD matures, or the term ends, you receive your deposited money plus the interest you earned along the wayunless you decide to renew the CD for another term. You also have the option of reinvesting your money into a new CD with a different term. '' This is apparently false, instead it should read : When your CD matures, or the term ends, you WIL NOT receive your deposited money plus the interest you earned along the wayunless you decide to NOT renew the CD for another term. Your CD WILL BE AUTOMATICALLY SET UP TO REINVEST your money into a new CD with a different term. IF YOU CHOOSE NOT TO REINVEST, YOU MUST LET USAA KNOW WITHIN THE 10-DAY GRACE PERIOD PRIOR TO THE RENEWAL DATE.
Product: Credit reporting or other personal consumer reports

My identity was stolen. I contacted these companies previously and advised them that these accounts did not belong to me and it was identity theft. They have refused to block these accounts and are violating my rights. They are also damaging my credit score as well as my ability to live properly.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND IT SEEMS LIKE THERE ARE INACCURATE ACCOUNTS ON IT. I have no idea why those are on my account so please check the documents I've sent.