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

Experian is continuing to reporting my old last name and addresses on my credit report that I do not want to be associated with. I have been divorced and need my old last name removed from my credit report as I have updated it with all my creditors.     Please delete the following names :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Also, delete the following addresses :  XXXX   XXXX   XXXX    XXXX   XXXX   NJ  XXXX  ( I have not lived at this address in over 10 years )  XXXX   XXXX   XXXX   XXXX , NJ  XXXX  ( This is my daughters old address. It should not be on my credit report )
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.
Product: Money transfer, virtual currency, or money service

I AM WRITING TO EXPRESS MY CONCERNS REGARDING ZELLES HANDLING OF DISPUTES. DESPIT USUING ZELLE MANY TIMES AND REPOTING MAN ISSUES ZELLE HAS FAILED TO INVESTIGSATE MY CLAIMS. I WAS INFORMED LOST FUNDS WAS IMPOSSIBLE AND THAT THERE WAS NO WAY TO TRACK THESE TRANSACTIONS. THE LACK OF ACCOUNTABILITY AND TRANSPARENCY IS NOT RIGHT AND RAISES CONCERNS ABOUT CUSTOMER SAFETYI
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Chex systems stating that I never opened an account with XXXX XXXX and my account was not updated, so I disputed this with XXXX XXXX Directly and I have provided the response from XXXX XXXX in this complaint and I expect to see my consumer report updated
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX  # 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 an account without my written instructions
Product: Debt collection

My mortgage ( Lender ) " '' XXXX XXXX  Attn : Consumer Solutions Department XXXX XXXX XXXX XXXX  XXXX, VA XXXX A.K.A MyLoancare.com '' '' has allegedly approved me for a forbearance however a statement sent to me advised that i am two months behind and according to previous terms ; that constitutes for Credit impact and a potential foreclosure. I have attempted numerous times to fix the problem with the lender However i keep getting the round around no one gives me an answer and my statement yells late and foreclosure. I have asked them to update my statement however they refuse. I am seeking assistance as their practices are misleading and are impacting my wellbeing making me thing I will be without a home. Please assist me in getting them to fix their statements at this point I do not know if I have been approved for a forbearance due to I have been financially impacted by Corona Virus.
Product: Credit reporting or other personal consumer reports

Child support, and three credit cards. I have asked for the letter from my XXXX  XXXX Trustee that approved this debt. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCT # XXXX Date Opened : XXXX XXXX, 2017 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX XXXX # 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 an account without my written instructions. 

15 U.S.C 1666b A Creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. Credit Acceptance Corporation XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3.XXXX  - mailed XX/XX/2020 4. XXXX  - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date.

I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX  on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to CAC 2. Dispute letter to XXXX XXXX 3. Dispute letter to XXXX  4. Dispute letter to XXXX  5. Dispute letter to XXXX 6. Response received from XXXX that does not include the method of verification required by the FCRA. 
7. Certified Letter Confirmation Numbers
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. The accounts reported are below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Every month, since XX/XX/XXXX, I have notices that XXXX ( my XXXX  loan lender ) is providing an incorrect balance and inaccurate actual monthly payment to all 3 credit reporting agencies. Because, I am trying to improve my credit score, the accuracy of this information is very important. Even the XXXX XXXX monthly balance and actual payment is missing, not reported at all. I believe if all of this information was reported correctly, my credit score would be higher.

Every month, I have had to file a dispute with all 3 credit reporting agencies against XXXX. When I contact XXXX they tell me that they are reporting the correct information. 

Only last month did I learn that XXXX is using a third party distribution center to send the updates to all of the credit reporting agencies. I believe this is were the breakdown may be happening. 

Today is XX/XX/XXXX and all 3 credit reporting agencies are still showing the incorrect balance of {$87000.00} for XXXX. I understand the reporting is one month behind, and that XXXX reports information being reported for the month of XXXX is still showing incorrectly.
Product: Credit reporting or other personal consumer reports

My old addresses keeps popping up in Experian I requested it off and it keeps reappearin
Product: Checking or savings account

I signed up for a checking on XX/XX/23 using the promo XXXX because they had a bonus of {$400.00} for depositing {$1500.00} with them. I made a deposit of {$1500.00} exactly on XX/XX/23, as well as several other smaller deposits on other days totaling more than {$1500.00}. It's been over 6 months and I still can not get anyone to help me one bit. I first reached out to a Truist representative online via live chat however they were unable to help and gave me a phone number to call. I called the phone number on XX/XX/23 and the lady I spoke to was even more unhelpful than the first one I spoke to. 
I completed all the requirements of this promotion and it seems like there is not a single person who is able to help me get to the bottom of it. Please fix this.
Product: Student loan

Nelnet has violated Federal laws concerning the use of private information. Nelnet is obligated by the FDCPA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Nelnet to provide documentation used to determine that all disputed loan accounts were verified, consumer is not asking for a statement. If Nelnet isn't able to provide said items, loan accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules.

I will be filing form 211 treasury omb forms to audit consumer accounts.

Consumer is requesting how it was verified and who verified them info on what language is being used and an updated presentment communicating in a living language NELNET is securitizing consumer data yet refusing to provide an updated presentment of debt verification and how they are a party to the debt and how is it owed to them also an updated presentment is not written in legalese as this is fictional language.

Nelnet you are interfering with commerce and that is a Federal Crime Nelnet COMMISSION FILE NUMBER XXXX IRS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX XXXX XXXX  after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear SageStream , LLC Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. 

Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. 

I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. 

Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. 

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

Someone submitted a fraudulent application for a XXXX XXXX card. I contacted XXXX and they sent me a letter stating that the fraudulent inquiry would be removed from my credit report but it has not. This fraudulent inquiry happened in XX/XX/2019. The inquiry is still on my Equifax Report. Attached is a copy of the letter XXXX sent me saying that the inquiry would be removed and that they sent this letter to all the Credit Bureau reporting agencies but Equifax has yet to remove the fraudulent inquiry from my report.
Product: Credit card

I noticed unauthorized charges on a rarely used credit card. When I contacted Barclays to alert them of fraud, I also requested a copy of the signed receipt with the details of the store and the purchase. They have refused to provide me with the receipt, and instead told me they verified the charge " directly with the vendor ''. They then closed my fraud investigation. I asked them to reopen the case, and again asked for a receipt, which they refuse to provide. I have hired an attorney who has requested the same, and Barclays refuses to comply. I have now been turned over to a collection agency ; a receipt for the purchase has been requested, and they also refuse to comply. My credit score has dropped over XXXX XXXX
Product: Credit reporting or other personal consumer reports

Reports of several late payments ; and CBNA has not provided any documentation to prove otherwise.
Product: Checking or savings account

On XXXX XX/XX/2024 at XXXX XXXX  I received a phone call from Navy Federal 's phone number XXXX. The representative on the phone stated that there was potential fraud on my checking account and that my account security was being re-set immediately and that my password needed to be reset. I also received an email and text message from Navy Fed stating that my account password had been reset. At this point I could no longer log into my account as my password had been changed and my account was compromised. I immediately called Navy Fed from another phone and the representative informed me that whoever had called me at XXXX was committing fraud against me in order to steal funds from my account and that they had done so successfully. The fraud was commented in the following manner : The perpetrator stole my account access by using Navy Federals actual phone number and email account, then went into my account and claimed fraud on recent purchases that I actually purchased for XXXX, XXXX, XXXX, XXXX, XXXX totaling XXXX. This was done in this manner because Navy Federal provides a provisional credit immediately once claiming fraud on a purchase. As soon as that provisional credit was given to my account all of this money was verified to have been transferred to another Navy Federal Account ( member to member transfer ). As soon as I filed a claim for actual fraud Navy Federal took all that money back from my account to replenish their provisional credit but still has not recouped my actual funds to me that was transferred fraudulently to another Navy Federal Member who I have no relation with. This resulted in me being placed in a negative XXXX status. On XXXX XX/XX/2024, I received my XXXX XXXXXXXX direct deposit to this account and was automatically deducted the negative balance which was not my negative balance to begin with. In addition, Navy Federal removed another XXXX dollars with the subject stating " adjustment -debit ''. I have been speaking to Navy Federal in person and over the phone every day with the re assurance that it was fraud but there has been no attempt to recover my funds into my account. Navy Federal Immediately made sure they took my XXXX XXXX pay to recover their lost funds but have done nothing to pay me back. I can not even afford to pay my monthly rent and I currently have a XXXX  daughter as well that I need to be able to provide for. Today I spoke to a supervisor, and he stated there is nothing he can do for me other than tell me to continue to wait up to 90 days for my funds to be returned. He said it is possible for the fraud department to provide my a provisional credit of my funds back but would not allow me to request that formally. He stated it's up to that department and I can not talk to them.
Product: Debt collection

I have been disputing this account for some time now with TRANSWORLD SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ex husband stole my identity and i was not made aware of all the accounts opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I submitted a dispute with creditor Ally Financial through a credit agency. Notwithstanding the underlying dispute, Ally Financial disagreed with the dispute and instead alerted XXXX that the charge off that occurred in XXXX, actually happened in XX/XX/XXXX ( when they responded to the dispute ). As such, XXXX updated my credit report indicating the loan was recently charged off in XX/XX/XXXX, instead of almost five years ago in XXXX. They updated the entry to show this will fall off my credit report in XX/XX/XXXX since the charge off is dated XX/XX/XXXX. 

Clearly, this is erroneous as I paid this account in XX/XX/XXXX, and Ally Financial illegally believes there is still a balance on the account, which they charged off in XXXX. They do not get to update the account and erroneously state the charge off date to a date almost five years later. XXXX states they report exactly what the creditor told them to report and have no duty to check the information. As I informed XXXX  they have the credit report of the last five years and can see when the charge off occurred, without much research. XXXX has put in another dispute with Ally Financial to see how they respond. This is not sufficient, as Ally Financial continues to violate laws in error reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all XXXX inquires. Please view listed inquires delete from my credit report. I sent over a police report and there were no actions taken. 


XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 - Citibank billed my account a XXXX Annual Fee. 

XX/XX/2020 - Called Citibank to cancel card, if cancelled on this date would have received full refund of annual fee. When I called, I was told by Citi representative that if I did not cancel I would receive a one time  XXXX USD credit to my account on the XXXX or XXXX billing statement. 

XX/XX/XXXX XXXX Called Citibank to inquire about not receiving credit. This agent told me that previous agent was wrong, that I would not get the credit until the following year. I then asked to close the account and get full refund of annual fee. He said no. I then asked to close the account and prorate the annual fee. He said no. I then said I would like to dispute the annual fee to get a Supervisor to review case. He said no. I then asked for contact to escalate the problem. He was not helpful. He would not transfer me to a Supervisor to get additional information. 

XX/XX/XXXX XXXX Researched Citi contacts. Filed dispute via email with Citibank office of XXXX XXXX, Citi Global customer solutions office. No response as of XXXX XX/XX/2020. 

XX/XX/XXXX XXXX Filled out an online customer satisfaction survey that was emailed to me by Citibank . 

XX/XX/XXXX XXXX Received a generic email from Citibank I assume as a result of the survey sent out on XX/XX/XXXX. As of XXXX no response. 

I would like my account credited XXXX USD ( half of the annual fee ) as I was promised by the first Citibank Rep to keep my account open. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of inaccurate information from my credit report. Upon reviewing my credit report, I discovered several discrepancies, including incorrect names and addresses. 

Incorrect Name : XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX As a victim of identity theft in the past, I am deeply concerned about the presence of these inaccuracies on my credit report. I affirm that the name " XXXX XXXX XXXX '' and the addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX, XXXX, GA XXXX. 

I am requesting that XXXX conduct a thorough investigation into these discrepancies and promptly remove the incorrect name and addresses from my credit report. These inaccuracies not only compromise the integrity of my credit profile but also have the potential to adversely impact my financial standing. 

Enclosed with this letter are copies of documents verifying my identity and current address, including a government-issued ID and a recent utility bill. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to ensure the accuracy and completeness of the information contained in my credit report. Therefore, I kindly request that XXXX take immediate action to rectify these errors. 

Please provide written confirmation once the incorrect information has been rectified and removed from my credit report. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill