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

On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and XXXX, requesting for the deletion of inaccurate, unknown accounts on my credit reports. 

Specifically, a company named Kay JewelersXXXX reported a {$400.00} charged-off account, opened in XX/XX/XXXX, to XXXX, XXXX, and XXXX. Kay Jewelers/XXXX sent the account referenced above to a collections agency named XXXX XXXX XXXX XXXX in XX/XX/XXXX, for the amount of {$420.00}. 

I have never opened an account with Kay JewelersXXXX and do not know anything about the charged-off and collections accounts yet all three credit bureaus are still reporting these inaccurate accounts on my credit report. XXXX   updated my credit report with the following comment : " the company reported certified to XXXX that the information is accurate ; XXXX   updated my credit report with the following comment : " account information disputed by consumer, meets FCRA requirements '' ; and XXXX updated my credit report with the following comment : " consumer disputes after resolution ''. 

I was curious as to how Kay JewelersXXXX determined that an inaccurate account should remain on my credit report. Between XX/XX/XXXX and XXXX, I wrote additional letters to Kay JewelersXXXX, XXXX, XXXX and XXXX, requesting for the description of the procedures used to determine the accuracy of the disputed information and for validation obligating a payment. 

I have not received any responses from Kay JewelersXXXX or the credit bureaus. I am currently experiencing financial harm because of these companies ' negligent reporting practices.
Product: Credit reporting or other personal consumer reports

Each and every time I try to request my credit report using any of the company provided automated phone numbers ( XXXX pr XXXX ), after going through the proper process of entering my information correctly, the system repeatedly disconnects the call after it asks if I would like to order the credit score for {$9.00} and I answer with ( NO ) at least XXXX or more times. The automated system is rigged to disconnect the process of ordering my free credit report unless I agree to ordering the {$9.00} credit score along with the report. Therefore not allowing my to XXXX the automated system to order my report and forcing me to call only during regular business hours to speaking with a live representative by phone. Who then advises me to sign up for the online account to obtain my credit report. I should not have to sign up for any online account, nor agree to pay {$9.00} for a credit score that I do not want, nor only have access to ordering my credit report using a live rep only during office hours. As the company alleges, I should be able to use the automated system to easily order a copy of my credit report without being required to agree to the {$9.00} credit score if I choose not to request the score. The automated phone system should work properly whether I am requesting my disclosure with or without the credit score. I feel this system is rigged to do this because each and EVERY time it gets to the option to ask whether I wan to order this credit score, and I answer ( NO ), it gets hung up on ( CAN YOU REPEAT THAT ) at least XXXX or more times and then says " GOOG BYE ''.????
Product: Debt collection

well my Identity was Stolen back in 2009, this company over the years has garnished my checks and now they have a levy on my bank account they were sold to different companies over the years and they took the amount owed multiple times for a debt that I don't even owe because I don't have an account with this company the company that started this was asset acception or something like that then convergence receivables and now they go by XXXX XXXX XXXX they took over the years at least {$4500.00} from me and are still collecting a debt that I never owed them in the first place because my Identity was Stolen and I have letters and documentation stating this I even have a Letter from the IRS stating my Identity was Stolen and they will not leave me alone and this debt has been paid even though it wasn't mine they garnished wages and have my bank account locked and just want them stopped this has gone on for way too long and I feel they need to repay what they stole from me on this matter and unlock my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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 611 - 15 U.S.C. 1681i 59 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. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( XXXX ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/2023. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX account XXXX does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
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
Product: Student loan

I have had a XXXX ( XXXX ) starting XX/XX/XXXX. XX/XX/XXXX one of my Doctors ( XXXX XXXX XXXX ) stated that I was likely XX/XX/XXXX. XX/XX/XXXX I was ruled by an administrative judge to be XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX County XXXX ( XXXX XXXX, XXXX. ) contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease XX/XX/XXXX as these directly impact credit scoring. 
DEPT OF ED / NELNET 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

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 20 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX EQUIFAX MORTGAGE SOLXX/XX/XXXX XXXX XXXX - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiry be taken off my credit record. I discovered inquiry on my credit report that I had not approved when I obtained a copy of my credit report. 
XXXX XXXX
Product: Student loan

I co-signed on a student loan for my daughter. Upon her graduating in XXXX  she was to start re-paying loan. She did not work right away she so deferred the loan repayment. So I was under the impression it was being taken care of. Called Navient and they said it should be fine. Come about to this year my daughter was getting her career on track and started paying her loans back except this one. I called Navient and they said I am responsible for the XXXX whole loan and all the penalties. I tried to explain the situation they said there is nothing they can do. I feel stuck with over {$28000.00} on a {$9000.00} loan. This was not my loan.
Product: Consumer Loan

When I got divorced I assumed my car loan and a personal loan. My ex-wife assumed her car loan and a personal loan. After we were divorced for awhile she filed for bankruptcy on her XXXX loans. She did n't make her minimum payments for the bankruptcy so the loans came out of bankruptcy for her to pay on. She is n't paying on the car, it was repossessed, and now the bank is coming after me. This debt was hers to pay per a court order. I am being harassed by the bank and it is ruining my already damaged credit. They are threatening to turn this in as income under my name. My ex-wife is n't getting any notifications from the bank. Her bankruptcy also showed up on my credit as her personal loan was written off as a bad debt.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federal protection customer rights to privacy and confidentially under 15 USC 1681 I told Experian, XXXX, and XXXX to Reinvestigate these accounts. XXXX XXXX  XXXX XXXX XXXX XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX However XXXX they stated everything was complete and accurate but how is that possible if the opening date, date of last and much more is incorrect. According to15 U.S.C 1681 ( 5 ) They are supposed to modify accounts that isn't reported correctly or delete it. 15U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 It also states a consumer report reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information related 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 compliant with Metro 2 credit reporting I have evidence to prove my case.
Product: Debt collection

A Debt Collector is trying to collect debt over a charge off account. They are saying they bought the debt. I wonder how came they bought a account with a XXXX dollar balance on it. They also failed to provide me any paper work/ contract to validate the debt to me. They only send me a old credit card bill. They are also reporting this {$500.00} to all credit bureaus. Which hurting my credit and I am financialy suffering. 

Therefore, please help me to stop this inaccurate reporting to all credit bureaus and also help me to stop all short of collection activity about this account. 

The Collecter name is, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX ( XXXX ) XXXX
Product: Credit reporting

I previously contacted all XXXX credit reporting bureaus in early 2014 after completing a rehab of my student loans. I just learned yesterday in the process of buying a house and after a XXXX bureau credit pull that Equifax is still reporting a XXXX account as a collection account. I contacted XXXX, and they say I have to dispute with the reporting agency. 

My frustration is two-fold : 1. I already did this and it worked as the process was supposed to with all other issues and with the other 2 reporting bureaus. Now I have to wait between XXXX days for my credit report to show this ; and 2. I 'm not going to be able to close on my home loan on time because of this, and I 'm going to have to scramble to make alternative living arrangements and expenses, and may see the seller pull out of the deal leaving me to also try and find a new place to live permanently!
Product: Debt collection

I have no knowledge of this debt as I have always had medical insurance! I was never contacted by the debt collection agency regarding this debt that I do not owe. They are reporting negatively on my credit and I have no knowledge of this debt. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

FCRA 15 U.S.C 1681
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a credit alert that my XXXX account was reporting 60 days past due. I do not currently, nor have I ever had an account with XXXX. I reached out to them to alert them to the fraud and ask for their assistance with my investigation. 

The representative told me she could not provide the information on the existing account that she found, and that she could only relay it to the appropriate department. She also could not give me any information on what department that was or how I could get in contact with them. 

Further, she could not give me any documentation to relay to the credit bureaus regarding an open investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies on credit that I didnt apply for, need help removing the inquiries
Product: Credit card or prepaid card

Someone applied for a Capital One/Cabela 's credit card using my name, social security number, and date of birth. I have not applied for a credit card in several years nor do I shop at Cabela 's. I was notified via my XXXX monitoring service and discovered that my credit was checked with XXXX XXXX for this application.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XXXX/XXXX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX SOC SEC # DOB DEPENDENTS CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

On XX/XX/XXXX I recieved a letter from FCS Collection Services in regards to a debt saying I owed XXXX $ to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX myself by phone call on XX/XX/XXXX. I spoke to a XXXX. She confirmed by phone that the equipment I am being charged for was indeed returned and checked in on XX/XX/XXXX. She went on to say that they found after the fact 6 months later that the router I returned was damaged. Therefore they turned me over to collections without even contacting us by mail or phone call first. 
I explained when I returned the equipment in person at the office in XXXX XXXX, TX that it was checked in and I was told our bill was cleared. 
In fact in XXXX we received a check back from XXXX XXXX XXXX for over payment. 
XXXX also did discuss this debt with myself and my wife without giving us a mini miranda and she did confirm phone call was recorded without any knowledge. 
She did also confirm that the equipment does travel from their office from XXXX XXXX to XXXX which is around 15 miles. We have no clue what happened to the equipment once it left our possession. It was checked in bill was cleared we even received money back and have not heard from XXXX XXXX XXXX since. XXXX did also confirm on phone that they just pushed it straight to collections without trying to bill us or contact us first.
Product: Student loan

XXXX of XXXX, Massachusetts Educational Financial Authority & XXXX XXXX XXXX XXXX ( MEFA/XXXX ) sold my accounts to XXXX ( XXXX XXXX XXXX ) without any notification of the change. My credit report reflects payments were made and completely up-to-date up to XXXX of XXXX. I found out that my loans had been sold when my payments were not being processed as they had in the past. I contacted MEFA no one could provide me with any information about my accounts other than they had been sold. When I contacted XXXX, no one could find my information or how to pay. During this time, I did not make monthly payments due the lack of clarity and the potential of the {$350.00} payments to be lost in a paperwork shuffle or having to pay both MEFA and XXXX until they straightened out their act. I was also told by MEFA during this period ( XXXX, XXXX & XXXX ) any non-payment would not be reported to the credit bureau as XXXX did not receive approval to send refinancing papers to clients. This whole situation was very concerning, and I made several attempts between XXXX and XXXX to find out where my payment should go, however neither MEFA or XXXX could clearly get this addressed. 

XX/XX/2018 : Noted that our MEFA payment was not processed as it normally had. Contacted MEFA Customer Service - Told that they were having processing issues to call back the following week. 
XX/XX/2018 : Contacted MEFA again - no answers as to why our payment had not been processed. Reassured that there would be no reporting of non-payment for XXXX, XXXX & XXXX as XXXX didn't receive approval to send out refinancing paperwork to clients. 
XX/XX/2018 : MEFA again - " Information should be sent out to borrowers within the next few weeks '' XX/XX/2018 : MEFA again - " no approval as of yet for XXXX, call back in another week. 

Based on the facts : 1 ) Loan was transitioned to a new company without my knowledge 2 ) For 3 months, neither MEFA or XXXX could provide any information regarding my loan or who I should pay, or where to submit payment! 
3 ) MEFA on multiple occasions told me that non-payment would not be reported to the credit bureaus due to their handling of the situation. 
4 ) I am currently up to date on payments and caught up on the 3 missing months!

5 ) I have XXXX children in college this fall with 1 more to go and I need to borrow to help them pay for tuition. This situation should not affect the interest rates I receive, or limit my ability to help my children financially.
Product: Money transfer, virtual currency, or money service

I placed an order for crypto that totalled {$490.00} with the {$14.00} fee. Then my card was charged another {$14.00} fee! No where did it say my total would exceed {$490.00} XXXX XXXX card limit ) I want the refund of the second {$14.00} fee because nowhere did i agree to that. 

Coinbase case # XXXX Thanks.
Product: Mortgage

I filed chapter XXXX bankruptcy on XX/XX/2019 and in XXXX I signed the reaffirmation papers with my attorney who provided them to M & T Bank. I was told by a bankruptcy specialist that once my reaffirmation papers were received that my account would be updated and my credit report will update showing my mortgage and the balance. My bankruptcy discharged in XXXX  and in XXXX   my mortgage account with M & T Bank was showing as active along with the balance I owed at the time. A couple days later my credit report was updated again stating paid in full. I called M & T and was told that it was an error and would be fixed. A month later in XXXX it was reporting an open mortgage again but has never reported the balance. Ive called several times since then and no one has helped me correct this. I was told I would get callbacks and no one ever called me.