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

Experian is not doing proper investigations i have had numerous investigations with little result with such simple things like personal information named spelled wrong address spelled wrong hard inquiries not authorized. 

1. Name ID # XXXX XXXX XXXX it shoukd be XXXX XXXX the i is missing 2. Address wrong Address # XXXX delete not a correct address listed twice the correct address is # XXXX XXXX. Address wrong Address # XXXX missing A delete not a correct address listed twice the correct address is # XXXX Never authorized any of these hard inquires XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX shouldnt be on my credit report any longer on there twicXXXX XXXX XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX credit XXXX XXXX XX/XX/XXXX should be on my credit report any longer Every single hard inquiries should be removed all are between XXXX and XXXX Experian credit report is attached as proof and they are obviously not doing the job and XXXX  should sue them and they are affectings people credit scores and not being responsible
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

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

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

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
Product: Debt collection

Dear Portfolio Recovery I hope this letter finds you well. I am writing to bring to your attention an unfortunate incident that occurred in 2017, which has had significant repercussions on my life since then. 

On [ Date ], my purse was stolen, containing all of my important documents, including my identification cards, social security card, and other sensitive information. This incident not only left me without crucial personal belongings but also made me a victim of identity theft. 

Since the theft, I have been diligently working to mitigate the consequences of the identity theft. I have reported the incident to the authorities and have taken necessary steps to protect myself from further harm, such as placing fraud alerts on my credit reports and monitoring any suspicious activities on my accounts. 

However, despite these efforts, the aftermath of identity theft continues to affect me. It has been a challenging journey to restore my identity and regain control over my financial and personal affairs. 

I am reaching out to you in the hope that you may assist me in [ specific assistance needed ]. Any support or guidance you can provide would be greatly appreciated as I continue to navigate through the aftermath of this unfortunate event. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

today was my third attempt to resolve this issue XX/XX/2024 I signed up for a class action and XXXX XXXX took it upon themselves to changew my mailing address to the lawfirm that represents this classaction I never gave them ( XXXXXXXX XXXX  ) permission or the Law firm XXXX XXXX XXXX XXXX ) permission to make these changes. I called the law firm also by XXXX their information they have no reason to change my address nor was this requesred by this firm as well as myself. Now i have this law firm address reporting on all XXXX of my credit bureaus as a known new address??? I am so upset XXXX XXXX XXXX gave me the run around as well as all XXXX  credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hap applied for Chase Freedom credit card on XX/XX/2018 and received XXXX referenced letter. I did not have and still do not have any negative remarks on my credit report. I would like to have detailed explanation regarding why Chase Bank did not approve my application and how I can solve the mentioned " unsatisfactory '' relationship. I faxed them the same request back in XX/XX/XXXX however they did not reply.I do have other credit cards and accounts. Kindly investigate and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian XX/XX/22 about inaccurate and incomplete information on my credit report. I have asked for verification and proof that the accounts I have asked to be removed but they have refused to send me any of which I have asked.
Product: Mortgage

I recently refinanced my home. On XXXX XXXX I received a letter from Veterans Affairs that I was due a refund of the funding fee on my loan in the amount of XXXX and the letter states that the lender has been given instructions to send me a refund. 
On XX/XX/2020 I called the mortgage company Guaranteed Rate and spoke with the servicing department which told me they had not received anything and that I should send a letter to the Research Dept., which I did on XX/XX/2020. 
As of today XX/XX/2020 I have heard nothing nor received a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, 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 U.S.C 1681. 


I told XXXX, XXXX and Transunion to reinvestigate these hard inquiry accounts : Ran on XX/XX/XXXX through Transunion, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX again. Yes XXXX, was ran twice with XXXX the same day/same time. 


All of the hard inquiries from XX/XX/XXXX was ran by, XXXX XXXX Sales Manager at XXXX XXXX in XXXX, CA without my consent. XXXX XXXX from XXXX XXXX in XXXX, CA who is a fleet manager at that location, sold me my car. XXXX promised he would not run the " shotgun '' credit pulling option on me as I alerted him ahead of buying my car that I would not unlock my credit report if he did not agree to only run my credit at a maximum of only 2 times. I did agree to have my credit ran by XXXX XXXX XXXX. 



I wrote letters to the credit bureaus for these as well. XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX TransUnion, XX/XX/XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX. Please take these unauthorized inquiries off of my report as well, Thanks! 



I also asked them to remove all addresses, except my current address. I also ask them to remove employment and phone numbers. However, 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 U.S.C 1681 I ( 5 ), They are supposed to modify accounts that aren'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 an 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 item of information, other than records of convictions of crime 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: 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. 
XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account account # 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 a account without my written instructions 5 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.
Product: Debt collection

Ok XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX va XXXX they keep calling me about a item or debt that I have no knowledge and Im unaware of the so call debt they are talking about ... I asked them to verify it and send me the original contact to me with my signature and my ss number and my address they wont do it I ask for this in writing they wont provide me with this information. They refused to send it to me.. but they keep calling me and harassing me and I cant take it nomore ... I asked them to take me off there calling list but they wont stop PLEASE HELP Me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX  XXXX {$550.00} XXXX XXXXXXXX {$720.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX {$870.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX  XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. Also, I found the following accounts that do not belong to me that should be removed as well : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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: Credit reporting, credit repair services, or other personal consumer reports

LVNV reported to all three credit bureaus that I owe them {$1300.00} I have asked them to please verify the debt by showing me the original signed application and statements they have not. I live and I'm multi-family triplex with unsecured mailboxes and packages are stolen. I have been denied credit and a place to live because of this inaccurate credit reporting by lvnv. Also I noticed that they have my name as XXXX XXXX HOWEVER my name is XXXX XXXX XXXX
Product: Credit card or prepaid card

I had tied automatic payment to a savings account and failed to timely transfer funds. When I discovered the issue on XX/XX/XXXX, I immediately transferred funds ( {$24000.00} ) from my checking account directly to Citibank that same day, as XXXX literally just confirmed to a manager at Citibank ( XXXX from Florida was all the information the Citibank manager was willing to provide ) with me on the line. Despite immediate receipt of funds, Citibank only removed the hold after I called twice to complain. 

Citibank number XXXX XXXX XXXX XXXX. XXXX checking number XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

See attachments below. Uniformed use and fraud without evidence of the debt and the only evidence of the debt was just an agreement which was never clear and conspicuous this is null and void please delete this or y'all might involved with something bigger because they willing did this without explaining things.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated an instant debit transfer from PayPal to my XXXX XXXX XXXX checking account in the amount of {$420.00} with an instant transfer fee that resulted in the final transfer amount being {$410.00}. On PayPals end, this was conveyed to me as being denied. They claim the card issuer denied the funds. XXXX claims there was a successful fund transfer and then a reversal microseconds later. Funds are not present in PayPal or my checking account. Money has effectively been destroyed from my perspective. Both institutions claim the other institution has to resolve the problem when I contact them about this.
Product: Student loan

The loan company Navient has repeatedly harassed me on the phone. At one point, they took too much from my account which then had to be closed down due to overdrawn by the lender. They have taken all of my and husband 's tax deduction and my child tax deduction for years and yet, they claim I still owe but refuse to tell me how much we 've paid them and how much if any, is left to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report says I have 100 plus precent credit usage. This has stopped me from being able to get a car. Im a single mother of two. When I looked into it I seen credit one was reporting my closed account as a balance towards my line of credit but took away the line of credit as the account is closed. Iv contacted credit one four times over the last two months and have paid as I can. My account is current on payment and is also closed. The only line of credit I have open is XXXX. Iv attached a screen shot of that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has violate my consumer right multiple times i already have a complaint with them that they have not followed procedures they strated a disputed then removed the dispute without noticing me or anything i have asked for several corrects on inaccurate accounts. They have also had an item on my credit report already removed but they re inserted the account and acting like its and open collection but under the collection accounts in my credit file it say it is none but how they report the item as a negative collection.
Product: Credit reporting or other personal consumer reports

The same collection XXXX XXXX XXXX and XXXX XXXXXXXX REVVI  XXXX reporting on my credit report twice according to section 609 section 611 I have the right to dispute an accurate information on my credit report and have it removed. I believe these two entries represent the same day and should not both be listed on my credit report. I have already submitted for reinvestigation and it came back verified without Sending me the proper verification.
Product: Credit reporting

I received a copy of my credit report, and found out it reported a public record of a Chapter XXXX bankruptcy case # XXXX reported by Texas Federal Court. I contacted the Texas Federal Court in reference to them reporting a bankruptcy on my credit report, and they informed me that they did not report bankruptcies to credit bureaus. They also informed me that credit bureaus get their information through third party sources such as XXXX XXXX who only does electronic verifications. I asked them to verify if XXXX XXXX filed a bankruptcy, and they informed me that an XXXX XXXX filed a bankruptcy, but they could not verify it because the social security number I provided them did not match. 
Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:1. Provide complete and accurate information to the credit reporting agencies ; XXXX. Investigate consumer disputes received from credit reporting agencies ; 3. Correct, delete, or verify information within 30 days of receipt of a dispute ; and,4. Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. 
Based on the Fair Credit Reporting Act, A furnisher of negative information must notify the person that they are reporting negative information on his or her credit report. Second, the furnisher must report accurate and factual information to the credit reporting agency. The Texas Federal Court informed me that they did not report bankruptcies to the credit reporting agencies. They did inform me that a bankruptcy filing was public record, and that a person that certain information such as a social security number is redacted from their files. Therefore, no one can accurately determine if they have the correct person who filed a bankruptcy. 
Desired outcome is for the credit reporting agency to remove the public record they are reporting on my credit report because they do not have accurate information to determine that I filed a Chapter XXXX Bankruptcy with a case number of XXXX. 
It is a violation of the Fair Credit Reporting Act, and under the Fair Credit Reporting Act credit reporting companies have to take MAXIUM steps to ensure their information is ACCURATE. If I ca n't be provided proof by them, they must DELETE what they are reporting from my credit profile.
Product: Debt collection

I was reviewing my credit report and discovered this account. The name of the company is Resurgent. The account opened XX/XX/year>. In the amount of $ XXXXThis account is appearing on XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

Hello I Just Looked At My Credit Report And Seen XXXX XXXX XXXX Is Breaking Federal Law With Reporting Late Payments To Credit Reporting Agencies Which Is A Violation. Because Under 15 U.S. Code 1605 ( A ) If A Finance Charge Was Included Which Is The Sum Of All Payments There Should Be No Late Payments On This Account.
Product: Student loan

Wells Fargo Educational Financial Services ( Servicer ) misapplied payments for XX/XX/2015. I have XXXX loans with the servicer and I make a single payment every month for the XXXX loans. The XX/XX/XXXX and XX/XX/XXXX payments were not applied to the principle balance of XXXX of the XXXX loans as prescribed by the loan amortization schedule. Additionally, upon inquiring with a CSR at the servicer, they were not able to explain the action and attributed it a broader processing integrity issue with their servicing platform ; They were not able to assure me that previous payments were processed accurately and I am concerned. 

Additionally, I paid of the loan as of XXXX/XXXX/15 as a result of refinancing the loan with another lender. However, on XXXX/XXXX/15, the servicer drew a payment from my XXXX XXXX XXXX checking account and applied the payment to the paid off loan. I am concerned that there are pervasive processing integrity issues with Wells Fargo 's student loan servicing platform and their ability to process payments completely and accurately. To aggravate the situation, Wells Fargo has a policy of terminating a borrowers access and deleting their on line profile upon loan pay off. As a result I am not able to access current and historic detailed payment information and statements, thus impeding my ability to at gather the information I need to determine if there are further inaccuracies with the way payments were applied. 

Finally, The servicer is dragging their feet with returning the over payment drawn from my bank account and applied to loan and now will not refund the payment timely.