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

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect data on my credit report. 

XXXXXXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00} ; XXXXXXXX XXXX XXXX : {$5000.00}.
Product: Credit reporting or other personal consumer reports

This is a complaint against XXXX XXXX XXXX they failed to report a student loan payment I successfully made to the credit agencies resulting in an UNJUSTIFIED XXXX XXXX decrease in my credit score. I wrote letters, called, spoke to the credit agencies who all pointed me back to XXXX This was never corrected. XXXX agreed I paid successfully. XXXX reported XXXX  did not report the payment. I am submitting for the recent settlement for affected borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Inquiries : XXXXXXXX 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 or other personal consumer reports

My wife and I tried to purchase a vehicle from XXXX XXXX we didn't like how they operated, so we left went to a different dealer we're we purchased a vehicle, unbeknownst to us XXXX XXXX continued to run our credit so now we have over 50 hard inquiries on our credit report. Even after we left they continued to run our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete these hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XXXX XXXX, I fractured my acetabulum. Since then, I 've had XXXX XXXX that the last XXXX in XXXX XXXX resulted in a total XXXX XXXX. Since my XXXX, I have tried to get help with XXXX XXXX/Navient to help alleviate the XXXX of my student loans since I have been unable to work consistently since XXXX XXXX. For the first year, XXXX XXXX/Navient has provided me with the only option to do a forbearance, but that is only beneficial for temporary circumstances. This has been an ongoing, XXXX problem. I 've applied for XXXX which has been denied and I have also filled out documents to try to get a lower repayment option which has also been denied. With these denials, I receive letters stating that I have been denied, but when trying to contact the individual who signed these letters, I never receive a call back or a return e-mail. It seems like once they sent out the denial letter to me, they cut all ties with me. I have received no help with my repaying my student loan by XXXX XXXX/Navient and I 'm still unable to pay back these loans as I 'm recovering from a XXXX. I 'd like to know what to do because I do n't want my credit to be affected, but this has been a problem and I feel that XXXX XXXX/Navient should be able to help me with my loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX continues to inaccurately report a car loan on my credit report for a completely different vehicle than the one I actually paid for with the loan. Not only that they report this loan on Experian twice. XXXX XXXX also reports an unpaid credit card that due to identity theft had unauthorized usage which was communicated with XXXX. I am asking that XXXX XXXX remove these inaccurate information and statements from my credit file. Also XXXX XXXX has been given all documentation to verify my statements. Also XXXX XXXX needs to provide me with original loan documents for a XXXX XXXX XXXX XXXX XXXX XXXXXXXX mileage XXXX which was purchased from XXXX XXXX XXXX XXXX XXXX  XXXX, Minnesota XX/XX/XXXX for {$5500.00} on which was paid for on a loan and a check was drafted off of XXXX XXXX for {$5500.00}. I am attaching a loan document from XXXX XXXX which informs me that the loan was for a XXXX XXXX XXXX. I am asking for the same document for the XXXX XXXX. If XXXX XXXX cant provide it then both incorrect, false, misleading, and inaccurate reports must be deleted off my file and they must cease at once to continue reporting false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to correct my credit report so that I can purchase a home. I have been struggling with this debt collector and credit reporting agency reporting inaccuracies on my file. I have sent certified letters disputing an account with XXXX XXXX. I have never had an account with this company and I have spoken with them over 3 times to confirm this. This debt collector is instructing me to dispute through the credit agencies so that they can remove the debt on their end when the credit bureau reaches out for validation. This account is not a valid and I have never entered into a contract with them nor did I authorize them to pull my credit. Per the FCRA it is already a violation for this debt to be on my file when there was never a contract or agreement with XXXX XXXX. Shortly after my dispute EXPERIAN and XXXX failed to do a proper investigation. Instead of removing the account like I requested and like XXXX XXXX owner or XXXX stated they would delete this because it should not be on my credit file. This account needs to be removed from my credit file. It has caused my score to drop XXXX points affecting my chances of approval for credit I desperately need and deserve as I have worked hard to maintain good payment history. XXXX is not properly investigating this dispute because If they had the account would be removed due to the fact that there was never a contract or agreement for this account and it does not actually exist.
Product: Student loan

Mohela notified that they were transferring platforms in XXXX, and that this would take XXXX months. During this time, it was impossible to make a payment since your could not log in to the old website ( and the autopay that I had set up was not withdrawn from on schedule ). On XX/XX/year> was finally notified that my account transfer was complete and I could make my new account on the new website. This alerted me that my account had been placed into an administrative forbearance from XXXX, and that my repayments would start XX/XX/year>. Today XX/XX/year>, they sent notice that there would be a " repayment schedule change '', which amounted to a notice that interest on my consolidated direct unsubsidized loans ( XXXX ) would be capitalized, even though I did not have a capitalization event as defined by Federal Student Aid for this type of loan ( ie did not request a deferment, did not change/leave my income driven repayment plan ). Nothing about my loan, payment, employment etc should have changed, but because Mohela is so mis-managed and corrupt, they have completely botched this transfer to a new website and are now going to be reaping benefits by capitalizing interest on student loans when they shouldn't be ( all so they can make more money ).
Product: Credit reporting or other personal consumer reports

XX/XX/2025 National Credit System XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear National Credit System. 

I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : XXXX. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; XXXX. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your XXXX does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX recently switched from XXXX XXXX to Barclays. Since the switch it has been impossible to login online to access my account and make a payment. The URL is broken and continually says " We're always updating our website which sometimes makes hotlinks out of date. Visit www.BarclaycardUS.com to locate our most current pages. '' If you click the link they provide, it takes you to another page that says the exact same thing. While you can make a payment over the phone, and I understand technical difficulties online, it has been this way for over a month, in the least. If you offer online payments, customers should actually be able to utilize that feature/function.
Product: Mortgage

I am being overcharged in my escrow account for almost 5 months now. I have tried about 100 times ( no exaggeration ) to get in touch with the customer service, the loan department, anyone at all, and I can never get through to speak to a live person. Their phone systems simply bring you into a never-ending automated loop, not allowing you to ever speak to a human being. I have sent in requests for calls back and assistance and have only received automated email responsed. 

I am fearful that I can not go on much longer paying the extra money ( that I shouldn't have to ) and will end up missing payments and possibly going into foreclosure. 

My statements show my escrow payout going up nearly {$200.00} in XXXX, which is impossible. 

I need help please, I am a United States XXXX XXXX Veteran and a first-time home buyer. 

I am at a complete loss here in how to handle this. 

Please help me. 

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

XX/XX/2018 Pursuant to a dispute of the date of a Chapter XXXX bankruptcy filing, Trans Union declared the the information was verified an ( unnamed source ) verified the information.

Pursuant to FCRA, Section 609 a ( 2 ) I am requesting written proof of the verification of the Chapter XXXX bankruptcy, if this is not provided the bankruptcy must be deleted. Pursuant to FCRA this information must be provided within 15 calendar days, if Trans Union does not, it is a violation of the FCRA and the entry must be deleted.

Pursuant to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of the reinvestigation. I am requesting a written description of the procedure used to determine the accuracy and completeness of the information provided to TRANS UNION, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

It is without dispute FCRA requires the furnisher of the information must ( in this circumstance ) be directly from the UNITED STATES BANKRUPTCY COURT XXXX   DISTRICT OF FLORIDA, not a third-party agency to verify disputed information. 

Attached is the investigation results of the Trans Union report and a copy of this document. 

Regards, Mr. XXXX XXXX
Product: Debt collection

CBHV-Debt Collector is a debt collector that is texting me and harassing me to collect {$2100.00} from XXXXXXXX XXXX XXXXXXXX date XX/XX/2022 without any billing notification mail or email notification after 3 years. XXXX CBHV is harassing me all of a sudden after 3 years. Nobody should be harrassed after 3 years of no billing notification, mail or email notification, telling me I owe medical bills. I have missed any chance to file a complaint at the time of service or now because it a prior insurance. CBHV will not give me any information regarding any details of the service date other then I own then and I don't have the same insurance anymore, I don't have records of this and the statute of limitations on debt is over and against the Fair Debt Collection Practices Act. This is also against the No Surprise Act for medical billing me all of a sudden out of nowhere. In the related matter, hospitals and other medical providers in New York are banned from reporting medical debt to credit agencies under a bill passed in XXXX by the states legislature I would like this to stop. I dont have any record of this service date, or recollect that I was at the hospital at that time. They are not in compliance with applicable state and federal laws, I would like that this fraudulent claim be cancelled in its entirety, I will be hiring an attorney for these many harassing claims and false statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus 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 items that are reporting on my Credit Reports : TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / 2016   XXXX / XXXX / 2016   XXXX / XXXX /   2016  Are all dates that disputes to  XXXX  have been sent out - Not once has the disputes been resolved or responded to in a timely fashion. These accounts do not belong on my file and I have submitted numerous times to have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraudulent and were not authorized by me. 
XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  Inquiry : XXXX XXXX, XXXX XXXX ) XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Card is treating me horrible and discriminating against me because I have a XXXX  XXXX and making me pay for charges that are not mine. Someone changed my account information as well and Discover is blaming me for it. I don't appreciate being treated unfairly due to my XXXX and having to pay an amount that I can't afford and I'm not paying it Any longer I didn't charge up over XXXX XXXX dollars. Discover needs to be held responsible for their actions and stop treating me different do to my XXXX it's against the law and not allowed. They need to clear these charges before I file a report for discrimination. Discover should refund me the XXXX that some fake employee stole from me.
Product: Student loan

I am currently enrolled in the PSLF program and have made a number of payments. TWO YEARS AGO I asked for an accounting of all my qualifying payments ( because I think their counting might be wrong ). I have never received such an accounting ... I have repeatedly asked for a payment by payment accounting in order to ensure all are counting towards my 120 payments. However, I still havent heard anything. Each time I call, they promise that it should be coming soon, but nothing ... also, I may qualify for the expanded PSLF, but I cant apply until I know for sure. They are purposely not responding to me. Frankly, I think the government should go with another loan servicer. I have not been impressed with myfedloans.
Product: Credit reporting

I am a XXXX year old XXXX XXXX XXXX veteran. I applied for my annual free credit report and was DENIED. I was asked questions about a financial situations that occurred XX/XX/XXXX and XX/XX/XXXX. I have XXXX credit card, XXXX XXXX, and XXXX Mortgage, XXXX. I CAN NOT answer questions about changes or whatever that happened over a decade ago. Equifax needs to mail me a copy of my credit report immediately. I will NOT send copies of my passport or other vital id papers to this predator. My bank recently sent me a list of XXXX things that lenders look at, one really jumped out at me. Thou must have more than one type of credit i.e. a credit card, and a auto loan. Is this what is being held against the citizens of the United States. I only have a credit card and a mortgage. The mortgage will be done soon. So I will only have a credit card.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized accounts on my credit report that continue to appear despite my attempts to have them removed. These accounts violate 15 USC 1681b, as there is no permissible purpose for reporting them without my consent. I believe these accounts stem from my personal information being compromised in the XXXX data breach. The ongoing presence of these fraudulent accounts is causing significant harm to my credit and financial well-being. I request immediate investigation and removal of these accounts. If this matter is not resolved promptly. Please find attached documentation related to the disputed accounts.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2023, it has come to my attention that Conn 's ApplicanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ( Company ) has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Debt collection

This debt collector is stating I owe them. I have no knowledge of this company nor did I ever sign a written contract with them. This is identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out multiple requests for Experian to remove incorrect data from XXXX. XXXX  and XXXX removed the information. I have requested 3 times to have the information removed or be provided with the name and phone number of the person verifying the accuracy of this information as I am a victim of identity theft. I provided my identity theft report to the agency. I request the account be removed from my credit report immediately. XXXX  and XXXX  investigated the accounts and found them erroneous and removed them from my account. Experian has not provided me a copy of the signed contract showing I opened the accounts, the name and phone number of the person verifying the account as accurate and has violated my rights under the Fair Credit Reporting Act. 
1. XXXX-20 accounts
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 XXXX XXXX XXXX. Account name : XXXX and XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, have violated my rights. 15 U.S.C. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Credit reporting or other personal consumer reports

***SEE ATTACHED*** I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING.