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

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the ITEMS under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX AFFIRM XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

When I re-certified my SAVE plan this year, MOHELA made an error in which only some of my loans continued to remain on SAVE and the rest of my student loans were put on the standard repayment plan, causing my payment to be approximately 4x what it should be and affecting my payment counts for PSLF. I have called 3 times on XX/XX/24. The CSR states that this is a mistake and all my loans are direct loans and should be on SAVE, but they put me on hold and then hung up the phone 2x in a row. I am still on hold now for a total time of 3 hours waiting for an advanced CSR. MOHELA also announces on their website that I would qualify for a refund of payments made during their administrative forbearance, but make it impossible to do so by this process of failing to provide the service necessary to do so.
Product: Debt collection

My credit report is showing a collection account from LVNV FUNDING. I never received written notification about this debt which means I have not been given a chance to dispute this account according to 12 CFR 1006.34 ( c ) 4I LVNV FUNDING LLC are violating my consumer rights. I am requesting DEBT VALIDATION according to 15 USC 1692 ( g ), as well as the purchase agreement between LVNV FUNDING LLC and XXXX XXXX XXXX a detailed list of the history of payments, proof that LVNV have chain of title to collect on this debt. Without providing any of this information this account should be permanently deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax,  XXXX  and   XXXX   XXXX   continue to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )   XXXX   XXXX   XXXX   XXXX   XXXX   US Bankruptcy Court  XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.
Each continue to list the dismissed bankruptcy on my credit file due to their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years.
However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, each of the   XXXX   reporting agencies have no right to maintain information which the government has deemed nonexistent.
Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, [ all   XXXX   ] must delete this information from my credit report and send me an updated copy when this action is completed.
I previusly provided each of the three agencies with Court Order related to the public notice filings, to wit : Attachment # 1 : CASE NO.  XXXX  was DISMISSED on XX/XX/XXXX  and therefore should not be on my credit reports. Attachment # 2 : CASE NO.  XXXX  was DISMISSED on  XX/XX/XXXX . Attachment # 3 : CASE NO.   XXXX    FINAL ORDER discharging the Trustee and closing the case without a bankruptcy discharge and/or any other relief.
These Court ORDERS should be sufficient in supporting my contention that each of the   XXXX    Credit Bureau s, Equifax,   XXXX  and   XXXX   XXXX   should immediately remove these Public Notices from my credit reports and provide me a clean report.
Product: Bank account or service

I as victim of both burglary and stolen funds from CapitalOne bank account continue to ask my stolen funds to be back. And suspect XXXX XXXX should get prosecuted to jail. 
Acct : # XXXX Amount : {$79000.00} Interest : 20 % Late fee : {$100.00} each month for 3 years = {$3600.00} Travel Expense : {$120.00} Time spent to collect funds : XXXX hours @ $ XXXX/per hour = {$5000.00}
Product: Debt collection

I told them that this debt was from XXXX and I have contacted XXXX XXXX XXXX XXXX and they have no record of this debt. I have told them that the statute of limitations for medical debt in Arkansas is XXXX years, and I will not be paying a debt that the originators has absolutely no records of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Bureaus on XXXX-XXXX-2018, by certified mail asking to remove addresses and names that are not correct, I enclosed NCDL,  social security card and a NC DMV registration to prove my correct name, address and social security number. Not all address were removed, they stated they were validated and they were under no obligation to remove them. According to the FCRA, the address are undeliverable by the US Post Office and therefore need to be removed. I have contacted them in good faith and under the letter of the law with no results.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Re : Removal of " INACCURATE '' Items from Credit Report ( More than 30 days have passed ) On XX/XX/2024, I sent you a request to reinvestigate " INACCURATE '' items which were listed in my credit history report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act requires that you complete your reinvestigation and provide results within 30 days. It has now been more than 30 days. By law, due to the expiration of the procedures used to determine the accuracy and completeness of the disputed information, you are required to delete the disputed items within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Checking or savings account

As I was signing up for the app called  XXXX  the app told me that Bank Of America is not a bank they are associated with. I find this odd and disturbing as I just switched from  XXXX   XXXX  to Bank Of America and know that  XXXX   XXXX  is excepted with the  XXXX  app but not Bank Of America. I find this highly disturbing because Bank Of America is the second largest bank in the nation. Therefore Bank Of America should be a bank excepted through the  XXXX  app. Please tell Bank Of America to get with the program as I have been with them since  XXXX   years old  which would be 20 years!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

At some point around XX/XX/XXXX, i sent in disputes to the Credit Reporting Agencies. 
I am reiterating that XXXX, XXXX and Transunion are reporting my Private/Public information from my " XXXX XXXX XXXX ID # XXXX '' without my consent, nor have they gave me written notice of what would be reported or what info I wanted publicly reported. ( See Fair Credit Reporting Act ) These agencies are in violation of the Privacy Act as well. 

All information being reported is not information reflected within my true credit report with the Consumer Financial Protection Bureau. As a living breathing Man made flesh and Blood my Credit lies within the " Full Faith and Credit of the United States of America '' as they have made it illegal to possess lawful money. ( See : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Sec. XXXX, The Coinage Act 1972 Sec 11 & 20 ) These reports facilitate credit discrimination and deny access to the " Full Faith and Credit of The United States '' in violation of the " Equal Credit Opportunity Act. '' Could you please exercise your authority and instruct the subsidiaries and/or Agencies to reflect the " True Credit/unlimted Credit '' that all americans have to live " A Better Life Experience. '' Digital 850 as we rely solely on the legal process and the US Treasury Dept to make the payments on all Principal and Interest incurred by the public/private debts of the people.

Thank You I appreciate your professional services and I look forward towards your quick and professional response.
Product: Credit reporting or other personal consumer reports

I received an alert from the credit bureau that my address had been changed. I didnt know such thing. After researching, I found that the address that was changed was my mother-in-laws address in Texas. I live in XXXX XXXX. Ive had the same address for XXXX years. XXXXXX/XX/XXXXXXXX, XXXX XXXX, NV XXXX. 
By changing my address at XXXX and the other credit bureaus mail has been forwarded to my mother-in-laws address in Texas. My credit score dropped XXXX points because they closed my card when I made an inquiry of why they changed my address. Ive been with them sinceXX/XX/XXXX, which is milestone credit card, never missed a payment or had a problem. All I asked was that they would take that address off of my account and at the credit bureau. In response, they canceled by credit card and reported closed. How do I get my address put back on the credit bureau?
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 09 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 14 XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, DEPT OF EDUCATION/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 XXXX XXXX Company 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
Product: Debt collection

I found this unrecognized account CHOICE RECOVERY INC # XXXX*Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquiries no written consent collections reported incorrectly
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from Equifax and discovered unauthorized credit inquiries that I did not consent to. These inquiries are as follows : XXXX XXXX ( XXXX XXXX ) inquiry dated XX/XX/XXXX. 
XXXX XXXX XXXX ( Automobile Dealers, Used ) inquiry dated XX/XX/XXXX. 

I have never initiated any transactions, nor have I authorized these entities to conduct credit checks on my behalf. These unauthorized inquiries were conducted without my knowledge or consent, and I am concerned about their impact on my credit score and overall financial health. 

The presence of these inquiries implies a breach of my personal information and a misuse of my credit file. I am unaware of how these entities accessed my credit report and under what pretense these inquiries were made. This situation has caused me undue stress and XXXX, considering the potential implications for identity theft and financial fraud. 

I am requesting an immediate investigation into these inquiries to determine their origin and legitimacy. If these inquiries are found to be unauthorized or erroneous, I demand their removal from my credit report to correct my credit history and mitigate any negative impact on my credit score. 

Additionally, I seek clarification on the measures being taken by the involved parties to prevent similar incidents in the future and ensure the security of my personal and financial information. 

I trust that the CFPB will assist in resolving this matter promptly and uphold the protections afforded to me under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

e information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX  XXXX ....
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX to inquire about this debt. They could not find the account. I gave them my name, address, social security number, birth date, account number ( XXXX ) and even phone number ( XXXX ) and they were unable to locate the account. 

I disputed this with the XXXX bureaus and they left the item on my file. 

It is against the Fair Credit Reporting Act for the XXXX bureaus to report a debt that they can not verify. 

I want Ithe credit bureau to comply with the FCRA and remove this unverifiable collection from their file
Product: Debt collection

about three months ago the company was supposed to send forms for me to fill out but I never received them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the XXXX XXXX  requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy. 

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by Midland Credit Management in XX/XX/XXXX on an account that gone into collections. I was told by the rep that once this debt was paid, it would be reported to the Credit Bureaus for DELETION! I made arrangements and paid this debt XX/XX/2016. It is now going on XX/XX/XXXX, and this collection is still showing on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to XXXX once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with XXXX even though I was the victim. XXXX is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XX/XX/2022.
Product: Debt collection

Portfolio Recovery Associates calls multiple times a day, every day, even on weekends. They from call from different numbers that appear as local and long distance calls. In 2 months theyve used well over 50 different numbers so far. 

Ive told them twice now to stop calling. 

I even requested validation of the so called debt. They have been unable to provide validation ( other than my name being on the account ).