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

To Whom It May Concern, I am filing a formal dispute regarding significant violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate information on my credit reports. I have discovered discrepancies and violations concerning a collection account listed on my credit reports with XXXX and XXXX. The account details are as follows : * Account Number : N/A * Original Creditor : XXXX XXXX XXXX XXXX XXXX )/ XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX Original Balance : {$XXXX} * Current Balance : {$XXXX} * Date Opened : XX/XX/year> * Account Status : Collection ( XXXX )/ Derogatory ( XXXXn ) XXXX Disputed by Consumer : Yes, with remarks indicating that the consumer disputes the account information on both XXXX and XXXX. 
I am bringing to your attention the following discrepancies and FCRA violations : * The original creditor is listed differently on XXXX and TransUnion, which leads to confusion and inaccurate reporting. 
* The account status is reported differently on XXXX and TransUnion, potentially misrepresenting my creditworthiness. 
* XXXX reports that the last status update was in XX/XX/year>, indicating a lack of recent reporting activity, while TransUnion does not provide this information. 
* Both XXXX and XXXX state that the account information is disputed by the consumer, yet the disputes have not been resolved within the required timeframe, as mandated by the FCRA. 
I demand that the Consumer Financial Protection Bureau investigate these discrepancies and violations promptly. Furthermore, I demand the immediate removal of the collection account from all major credit bureaus if the inaccuracies can not be verified. This action is necessary to rectify the violations and ensure the accuracy of my credit reports. 
Thank you for your attention to this matter. I expect a swift resolution and the correction of my credit reports in accordance with the FCRA.
Product: Credit card

On XX/XX/year> I rented a bike from XXXXXXXX XXXX XXXX XXXX XXXX and told a {$100.00} hold would be placed on my Chase Freedom Visa credit card until the bike was returned. I was provided a receipt for the {$100.00} " open auth ''. upon returning the bike I received a a receipt showing the {$100.00} " voided ''. When I checked my credit card account online, the {$100.00} is pending charged and there is {$100.00} pending reversed which comes to a total of {$0.00} charges, however the {$0.00} charge does not reflect my available credit. When I called my credit card company they state they only see the {$100.00} pending charge and not the pending {$100.00} reversal amount and the {$100.00} should post or falk off in 2-3 days. It is now 5 days since the discrepancy and there is no change. I believe there is fraud going on with my credit card company.
Product: Student loan

I have been working with XXXX XXXX, now Navient to keep my payments within a reasonable range for years. At first they were able to put my payments in forbearance ( 6 or 7 years ago ). They said it only puts the payments on hold until I am able to afford them. At the time I was making very little money on a commission based job. That never mentioned it would raise my overall loan amount significantly. Eventually I began making enough money to pay them back and they enrolled me in a program to pay about $ 200/month or so. I do have other student loans I am paying off as well. This was working for me for a while, but I noticed my total loan amount was not going down. Apparently all I was paying was the interest. I was young, fresh out of college, and didn't know the questions to ask until later in my life. I've now been working with Navient and they are not able to get my payments into a reasonable amount anymore. I've been paying over $ 500/month for the last couple of years. They are telling me that they can no longer do this and beginning in XXXX my payments will become $ XXXX/month. I can hardly afford the payment now. We had a XXXX about a XXXX  ago who has had many XXXX XXXX and caused a lot of medical bills. I am trying to stay above water and Navient seems to show no sympathy. I did some research and saw that there are lawsuits going in and I'm hoping maybe something will happen to help me and my family. In my opinion, my XXXX   comes before my student loans. I make enough money to not get help, but not enough to afford what they're asking. Navient has been rude every time I call when all I am doing is asking for help. I want to repay my loans, I don't like asking for help, but I've finally given in. When I called this morning to try one more time they suggested I look into getting a second job. I work over 50 hours per week, sometimes I'm traveling Monday-Friday for work. My wife stays home to take care of our XXXX  and ensure he gets the care he needs. I like how they feel they know my life and situation better than I do. If there is anything that can be done, please let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX**** # XXXX****, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX**** please delete. I have a unverified account XXXX XXXX XXXX XXXX XXXX # XXXX this account is not accurate please delete.
Product: Credit reporting or other personal consumer reports

My information was part of data breach and I do not recognize these account and have requested they be removed and without proper investigation the items remained. I request anything that is non verifiable be remove such as XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$240.00} XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX {$760.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX  XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXX XXXX {$760.00}
Product: Credit reporting

I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( XXXX XXXX XXXX ), which is now paid to date, and they chose to report this late payment XXXX times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Product: Debt collection

Sometime in XX/XX/year>, I received a phone call from XXXX XXXX XXXX saying I owed debt from XXXX XXXX XXXX XXXX. The representative went on to explain how my credit would be affected and itll make my credit report look bad, and just had a nasty attitude all the way around. I was XXXX, a freshman in college and really did not know much about anything related to credit. As of today, since I am much more educated on laws regarding credit I am sending this report in. Also, we ( General Revenue Corp and myself ), both agreed once paid itll be off my credit and they have not reported that to the credit bureaus yet, as I have tried to dispute several times. I want this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/21 I sent a letter regarding some unauthorized accounts on my consumer report. it has been over 42 days and I have not received a response yet. I feel like I am being taken advantage of. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. failure to investigate these items within the 30 days plainly states they shall result in immediate removal of those items from my consumer report, it has been well over 30 days so these items need to be removed immediately. if these items are not removed immediately I will be seeking litigation. theses violations have caused me to go in distress and I demand they be removed promptly.
Product: Debt collection

AFL failed to give me proper validation of this debt. 

I mailed AFL a debt validation request on XX/XX/20 certified mail # XXXX.
Product: Checking or savings account

X/X/14 {$610.00} bank of america someone opened a bank account using my name and written bad checks causing me to get into XXXX XXXX
Product: Debt collection

On or about XX/XX/2016 I received a call from Harvard Collection regarding a debt I owe to the IL Dept of Revenue. I do not dispute the debt however the original caller from Harvard Collections named XXXX pressured me to make payment with only a prepaid credit card and she would not give the address of her agency. At that time I googled the agencies address and sent a letter to them requesting I no longer receive phone calls per FDCPA. I also contacted IL Dept Rev about this as well as IL Attorney General. I had also received letter from IL Dept of Revenue stating that I could pay debt by withholding my Federal Income Tax and communicated that is the only way I can plan to resolve this debt at this time. As of XX/XX/XXXX I received another call from XXXX XXXX at Harvard Collections requesting payment. Again I have sent another letter telling them they are not compliance with my previous notificiation to only receive communication via mail. I also notified IL Dept. of Revenue and IL Attorney General. I do not dispute my debt ; however I do dispute the fact that Harvard Collections with their initial call and payment method and since I did send a letter requesting no contact by telephone and only mail I dispute this additional collections call to my home from Harvard Collections. I believe I had made clear communication to IL Dept of Revenue of my intentions to pay and if in the near future I become blessed enough to obtain the funds I owe prior to my Federal Income Tax return I will pay the debt. At this time I am making sure I have adequate funds to pay my rent and able to continue working ; but my paychecks only cover living expenses. I sleep on a mattress on the floor and I try to make ends meet by visiting food pantry and I never go out to eat ; I make make lunches ; needless to say steak and lobster is not on the menu ... .beans, peanut butter, macaroni and cheese sustain my existence. My home phone bill is barely paid and my family does not have the money to help me pay my outstanding debt. My mother is in XXXX XXXX with a not very good prognosis of survival. When I can I visit her but it does pose a hardship for my pocketbook. Your assistance with this matter is very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting inaccurate and unverified information in several of their consumer reports associated with my social security number.
Product: Credit reporting 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 U.S.C. 1681. 
Account Name .... XXXX XXXX XXXX.. Account # XXXX ... Account Name .. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX ... Account Name.. XXXX XXXXXXXX XXXX XXXXXXXX... Account XXXX XXXX 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 instruction. 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 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 relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting or other personal consumer reports

My XXXX, transunion and XXXX credit report show incorrect information. I do not have job and I'm unemployed. Please make sure it says I'm unemployed
Product: Mortgage

I'm going to lose my home. My Mother passed away from XXXX XXXX last XXXX. Her name was on the checking accounts, debit cards etc. Her name was on the mortgage. I was unemployed as I was taking care of her. Now, I'm going through Probate Court. I was supposed to put a notice in the paper about for her creditors but I couldn't afford to put it in the paper as I had other expenses and bills and obligations to take care of. 
I do have a part time job that I started a few months ago. The thing is I can't afford these mortgage payments. In fact, I haven't paid the mortgage in about 9 months. I just couldn't afford it. They know this is as I have been corresponding with them for the past 9 months about this. They said that they can't really help me because I'm not on the Mortgage Account. 
Now, I have been going through this throughout the year. In XXXX, I was named XXXX of My Mother 's Estate. Also, I think it was in XXXX, I spoke to somebody from The IRS because My Mother had to pay almost XXXX dollars to The IRS but she had passed away by then and I couldn't afford it. They told me to call them in XXXX to get an extension, I think. I think it was for an extension. Today, I called my Mortgage Company and told me that I have to fill out and fax a Mortgage Assistance Application. 

The bank is suing me, The IRS and The Probate Court. I've never been sued so I believe that is right. I just don't know what my next option is. I would have paid the mortgage on time if I had the money. I just haven't had the money and not only that but I have had no where to go. Also, I have a Severe XXXX Illness that I'm trying handle but this doesn't help. Can somebody please help me? I'm very worried and very scared.
Product: Credit card or prepaid card

I am being charged by XXXX ride company on my Citi card monthly for rides I did not take. 
I disputed the charge but XXXX wants me to prove that I did not take the ride. So credit card charges were not deleted after I disputed the charge to Citi Bank. 

I have repeatedly tried to contact XXXX but am unable to reach them to dispute the charge. 
The charges are on my credit cards statements for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX app does not allow me to delete my account. It seems they purposely make it hard to delete account or delete payment method. I have been unable to make the changes on my XXXX XXXX. and they do not have a contact method by email or phone.
Product: Debt collection

After learning that a company called Wakefield and Associates , Inc is reporting on my credit profile at all three credit bureaus, I requested validation of debt, breakdown of fees, & HIPPA authorization via a certified letter ( USPS # XXXX ) on XX/XX/2023 with a return receipt which was signed by " XXXX '' at Wakefield & Associates returned to me XX/XX/2023. After sending them this request in writing, Wakefield began communication tactics and called anyway despite my request and called at XXXX XXXX on XX/XX/2023 ( Phone Picture Proof attached ). They never responded to my request or wrote me back with the information I requested. I don't even know who this company is nor do I owe this debt. They are FALSELY reporting to the credit bureaus with a debt that I do not owe and thusly using abusive tactics to obtain money and destroy my credit worthiness. Please help me cease the reporting of information concerning me from this company on a debt that does not belong to me neither do I owe.
Product: Vehicle loan or lease

I reached out to them regarding the limiting of payment methods on my account. I expressed it conflicts with my job and they refused to ablidge stating I would have to figure out another option. Their option cost me another {$75.00} a payment just to pay things on time. Ever since they implemented this system I have been unable to make payments without sacrificing work schedule. Due to working business hours when money payments can be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am expanding my business and in doing so I had to pull 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

This account " SELF/XXXX XXXX  XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND I'M ATTEMPTING TO RESOLVE THIS MATTER WITH XXXX XXXX XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Mortgage

My name is XXXX XXXX, and I'm a member of XXXX. On XX/XX/year> I took out a home improvement loan with Solar Mosaic in the amount of {$36000.00} and was left holding the bag for the loan due to their negligence and lack of checks and balances with the contracting company, XXXX XXXX. Mosaic allowed XXXX to get the money and work was not done. XXXX also lost their contractors license during the process. The loss and devastation I've incurred is immeasurable. As a result of this, I've been unable to pay my mortgage, due to loss of revenue from the XXXX. They cancelled XXXX of my loans. I want all loans cancelled as they have done for others!
Product: Checking or savings account

Hello Just as I'm gon na upload some medias in the attachment menu, I'd like to go on and explain that Citibank held my funds for no just reason. I have {$17000.00} comfortably sitting down in my supposed Citibank Priority Account when it could be serving it's meaningful purpose in the XXXX  state of which I currently am. I would have moved my funds and withdrawn it if only Citibank let me but I can't access it because it is blocked. All they do is send me some letter that my account is being closed within the next 60 days and I will be mailed that which is due me after the close is supposedly complete. I have also called their numbers but they tell me to be patient and give them time that may affect me if urgent care is chanalled to my problem. I don't really care if the account is being closed or not, what matters to me is my {$17000.00}. I have need of it now that I'm edging closer to my XXXX XXXX  and I'm a single parent. All the funds therein have been acquired legally. My account is blocked and the access to my funds is blocked. I can't make ATM withdrawal neither can I make transfers to my other linked accounts. I get balance alerts from time to time stating that my funds ( {$17000.00} ) is in the account, in the current and available balance. All necessary information have been uploaded for your perusal, please kindly help me as I do have need for my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX Account numbeXXXX XXXX  Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Acccount number XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account number XXXX Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX Account Number XXXX Amount {$2600.00}. 
Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account Number XXXX Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name Collection Account Account number XXXX Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX Account XXXX XXXX Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXXXXXX Account Number XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX  Account XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name
Product: Prepaid card

XX/XX/year> I spoke with several representatives from fifth third bank wisely prepaid card services requesting my payroll fund to be released to me and was told they will not release the funds and I would have to wait 7 days to receive a new card to be able to access my funds I requested for my funds to be able to transfer or have the funds wired to me while I wait for the card I was told they could not and I would have to wait I have never been told I needed to wait for my hard earned money from a situation not cause by me wisely stated their appeared to be fraudulent active on my card they shut the card down with out informing me. after me trying to use the card at a atm I called and was told I may not have my funds that my employer direct deposited to there account until they send me a new card that would take 7-10 days this company refused to give me my funds I have never had to wait to receive my money
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses. 

XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA