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

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the item, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned item for they were found erroneous and unauthorized. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report that there is a balance due yet they have charged off this account. In addition ; the balance isn't correct.
Product: Credit reporting or other personal consumer reports

I took out student loans in XX/XX/XXXX. XXXX serviced these loans. 

In XX/XX/XXXX, XXXX declined to continue servicing Department of Education loans. XXXX therefore closed my accounts and transferred my balance to XXXX, the Department of Education 's new loan servicer. 

I paid off XXXX in full in XX/XX/XXXX. Experian accurately reports that I have {$0.00} balance with XXXX. However, Experian inaccurately reports that I have a $ XXXX balance with XXXX. This is false ; as stated, XXXX closed my account and transferred my balance ( see page 2 of the attached XXXX XX/XX/XXXX loan letter from XXXX proving I have {$0.00} balance ).
Product: Student loan

I am a service member on XXXX XXXX in the US Military. I enrolled in a university for my XXXX XXXX starting in XXXX of XXXX. I contacted Navient to put my loans on deferment or hold as I am in school. I filled out numerous forms and Navient refused to put my loans into in school deferment. Navient only put my loan in forbearance but also put late feeds to my account. After 1 who year my loans still are not in forbearance or deferment. Even with multiple phone calls Naviant is not able to help. Naviant also has reported my past due for the past 4 months when I have sent them every document. I want them to remove my negative remarks on my credit and back date and remove fees an interest since I qualified for in school deferment starting in XX/XX/2020. This violates many federal laws including service members civil relief act.
Product: Credit reporting or other personal consumer reports

I'm currently trying to buy a house and according to the 15 U.S.C 1681 law that shouldn't be any damage on my reports and that's a defamation to my character. I recently looked at my credit report and noticed some damage. I notice the company XXXX ( WAYPOINT RESOURCE GROUP COLLECTION ) was on my credit report. I explained to this company before that this account is an error that needed to be removed. The agent told me they would remove it I been dealing with this situation since 2022.
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 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$400.00} ; XXXX XXXX XXXX Balance Owed : {$390.00} ; DEPT OF ED/XXXX  XXXX XXXX Owed : {$48000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. These unauthorized accounts were opened without my knowledge or consent, and I am requesting immediate action to address them. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a letter over 60 days ago, to this bureau, and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open this account with credit acceptance in XXXX everything was fine until i started making weekly payments putting my account ahead but the system trigger a late payment not for full amount but a XXXX dollars indicating it was mistake i submitted a dispute with credit acceptance and the bureaus now i have a mortgage application in limbo because of the so rent ate payment I had perfect credit before I started this loan and now I might not have home because of this selfish act on the companies part..i need help with this situation
Product: Credit card or prepaid card

A fraudulent charge for {$410.00} was made on my credit card account on XX/XX/19 while the card was in my possession. I disputed the charge immediately with the credit card company, 5/3 Bank and a fraud case was opened. 

The first response to the fraud investigation was a letter dated XX/XX/XXXX and received on XXXX requesting additional information to substantiate the fraud claim. I called the company to understand what evidence would be beneficial and was told an XXXX would be calling to discuss. No call was received. I received ( on XXXX ) a letter dated XXXX indicating that the claim had been denied and the charge was not fraudulent. I immediately called the credit card company whose customer service representative indicated I should request the case be reopened. I did so via email on XXXX and included phone records showing my geographic location was over 200 miles away when the charge was made. 

I have since followed up with the vendor via phone calls on XXXX, XXXX, XXXX and XXXX only to be told in the final call that the transaction was too old to take any further action. Each time i spoke to customer service representative who assured me that a call from a fraud investigator would follow.
Product: Credit reporting or other personal consumer reports

I have a JPMCB AUTO FINANCE inquiry listed on my credit report, that i do not recognize, that i did not apply for without my consent or knowledge.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : XXXX XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this item with you > XXXX XXXX XXXX XXXX. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.
Product: Checking or savings account

I had a checking account with Suntrust for many years. When the account was opened, there was no fee on the account. After the account was transferred to Truist, the bank started charging me fees {$25.00} per month starting in XX/XX/2022. I was not given notice that the fee would be charged and never consented to any changes to the account. I did not notice the fee until XXXX because I don't typically use the Truist account. When I noticed the fee being charged, I called Truist and requested to waive or credit the fee. I spoke with XXXX XXXX who stated that the bank will not waive all the fee but only {$50.00}. When I asked her to explain what had changed in XXXX that the bank started charging the fee before, she just repeated the same. Again, I never agreed to any fee, I never requested to change the type of account. The fee was imposed without any notice or the opportunity to object. 

The total amount of the fee was {$120.00}. Thus, there is a fee charged on my checking account of {$75.00} that was not credited. 

Further, because the bank used all funds in my account to pay the fee itself, it used my credit card to cover overdraft. It then charged interest on overdraft in the amount of {$1.00} and a late fee of {$20.00}. 

Thus, the total amount of unrefunded fees, interest and penalties is : {$75.00} + {$20.00} + {$1.00} = {$96.00} I request that the above amount be credited back to me. 

Regards, XXXX XXXX
Product: Debt collection

COMMONWEALTH FINANCIAL is reporting three collection accounts to the credit bureaus that are not owed by me. I have disputed these accounts with all three credit bureaus, but they just added a statement " Consumer disputes this account information Medical ''. The credit bureaus or Commonwealth Financial have yet to verify that this debt belongs to me. I have told them that I do not owe them and this is not my debt and they continue trying to collect on the debt and continue to report it on my credit report. This is false information. Filing a complaint here is my last resort. I do n't know what else to do to stop them from reporting this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811i ( 5 ) these accounts are in violation of not reporting 100 % accurate information. 

The credit reporting acencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under USC 1681i ( 7 ) Method of verification - description of investigation procedure In Accordance with the fair credit reporting credit reporting agencies and and the accounts listed have violated my rights. The reporting companies are also not showing the full account number for each associated account. 

15 U.S.C 1681 Section 602H states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions There is also a HIPA violation breach, there are XXXX XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

ITS BEEN 30 DAYS & I HAVENT RECEIVED ANY UPDATES ABOUT MY DISPUTES
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that the credit bureaus are reporting inaccurate and incomplete credit information.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX XXXX  XXXX. Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have requested debt validation letter be sent via mail no response I have disputed multiple accounts being reported from Experian and accounts are being returned stating will remain. I have sent multiple letters disputing addresses and names from Experian consumer report with no explanation in writing explaining the reason
Product: Credit card or prepaid card

I keep paying my credit card balance and they take my money from my bank but then they don't apply it to the available balance. My current balance will say zero but they wont let me use the card because they put my card on hold for 15 days after the payment goes through. I'd pay with my bank account. I've never been late. According to one of the phone calls I made in XX/XX/2021, the Target representative said that I'd made to many payments ( I believe it was 4 or 5 ) in XX/XX/2021. I thought this was strange as all 4 payments had come from my checking account and cleared with no problem. Before the first phone call, the first thing I did to try and messaging to resolve my payment and updating my available balance issues. The first interaction with Target reps I inquired why my current balance was adjusted properly but my available balance still showed no change after paying and verifying with my bank that the funds had been removed from my account. The next two billing cycles XXXX and XXXX I tried messaging them to resolve the same issue no available balance after having paid them and funds being removed from my account. They refused to update my available balance and were no specific in why. I believe the first time I tried to call was in XX/XX/2021. I tried calling and speaking in person with a rep and was told several non specific reasons why my available balance wasn't adjusted after I'd made payment, but was unable to resolve the issue. I tried calling again in XXXX and they said I'd made too many payments in one billing cycle back in XXXX, so I started making one large payment, paying in full the balance on each subsequent billing cycle but they still didn't apply my payment each time and refused to do so when I called or inquired why. Finally, in XXXX and months after I'd made to many payments they told me my account was on hold for suspected fraudulent payments. I asked for the policy that supports such actions against my account and they said they did not have it in writing that it was a discretionary security protocol decision made by a supervisor. I've never bounced a check, cancelled a payment to them. It comes from my bank account the same way every time. They've done this to me know for four billing cycles in a row.
Product: Checking or savings account

They say I owe them and and I don't and I want them to take it off my XXXX XXXX XXXX and them charges I told them that it's not fraud and I want it off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a total of 61 hard inquiries on my equifax credit report. None of these inquiries from all these companies are from me applying for credit. Equifax makes it impossible to dispute these types of disputes. I am XXXX with limited availability to a computer. And the funds to print all these documents out that they are asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit card accounts were open in my name at XXXX XXXX XXXX XXXX in XXXX of XXXX. My wallet was stolen in XXXX of XXXX  since then I have been suffering from idenity theft. I Am not responsible for any XXXXXXXX XXXX XXXX XXXX debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Product: Credit reporting or other personal consumer reports

Hello I am a victim if identity theft and Ive disputed these items min the past with no resolution Im asking that this information be delelted from my credit report because it does not reflect my true credit worthiness!! And its false XXXX XXXX XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$60.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXXXXXX XX/XX/XXXX Balance {$16000.00} I.C. XXXX XXXX XX/XX/XXXX Balance {$100.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$2200.00} XXXX  XX/XX/XXXX Balance {$2300.00} Inquires XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Account debt paid in full with all legal a lawful documentation included to credit bureaus. Not updated on credit report. Now in litigation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to REMOVE the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to REMOVE any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which were being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/2022 XXXX : XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 TRANSUNION : XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES must block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, XXXX, and Equifax.. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
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 USC 1681. These accounts have violated my rights ; Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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: Checking or savings account

On the night of XX/XX/year> to XX/XX/year>, as I was on vacation in XXXX, my phone got stolen. When I recovered access to my accounts ( purchased another phone and had XXXX activate my number on the new device ), I noticed multiple Wells Fargo unauthorized transactions that were completed using my digital wallet. I also filed a claim with Wells Fargo ( claim # XXXX ). On XX/XX/year>, I received a letter advising me that the charges were authorized and my claim was denied. I then called Wells Fargo to try to understand the reason, and was told IP addresses were consistent, which makes no sense since I was in XXXX. Now, my phone was stolen, so the transactions were made using my phone, but they were unauthorized nonetheless.
Product: Student loan

I am being reported 60 days late XXXX 2011 with Access Group while I was under my student loan deferment. This is erroneous and needs to be updated as CURRENT. Furthermore this company sold my loan to XXXX and put closed status as of XX/XX/XXXX. This should be deleted off my credit portfolio
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 instructions.