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

This complaint is against Experian credit reporting agency. 
This complaint is in reference to Experian Report number XXXX Experian Report date : XX/XX/XXXX Experian has posted a negative comment/item on my credit report since XXXX, concerning the merchant XXXX XXXX. 

The negative comment related to an unpaid account balance of approximately {$15.00} plus late fee. 

XXXX XXXX has investigated and concluded that it was their mistake. XXXX 's has issued a letter to me acknowledging their mistake and an apology. 

This information was forwarded to Experian in XXXX. After months of inaction and white wash from Experian, today the negative comment still remains in my credit report. 

Experian has consistently failed to properly investigate and ascertain the correctness of a negative report before they post it to a consumers credit report. Furthermore, after Experian was repeatedly told of the incorrectness of the posting and in the face of the merchant 's admission to such an error on their part, Experian has failed to take action. 

Experian, by their inaction to correct an obvious error, as shown by evidence and fact, has damaged my credit rating.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Failure to Verify/Inadequate Investigation of Debt Dispute Account Number : [ Insert Account Number ] Dear TransUnion, I am writing regarding my previous dispute of the inaccurate information on my credit report concerning the above-referenced account. Despite my submission of a dispute on XX/XX/XXXX. I have received no satisfactory evidence or documentation from you or the creditor to verify the accuracy of this debt. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation into disputed information ( 15 U.S.C. 1681i ). It appears that your investigation was inadequate or failed to verify the debt, as I have not been provided any evidence substantiating its validity.

To resolve this matter, I am requesting the following : 1. Immediate removal of the disputed account from my credit report if verification can not be provided. 
XXXX. A detailed explanation of your investigation process for this dispute, including any documentation received from the creditor. 
XXXX. Written confirmation of the resolution of this dispute within 15 days. 

Please note that failure to comply with the FCRA could result in legal action, as I am prepared to assert my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED :! 5 USC 1681C-2 ( A ) I am enclosing my identity thief report. Block and delete the accounts and send an updated report and score to everyone that has requested it in the last XXXX months. I also included my Identification so that the companies will know that I am acting on my own behalf. I am not able to get an updated consumer report from XXXX and I have been complaining about this for XXXX months now.
Product: Student loan

I have well over 120 qualifying and employment verified months for my student loans to be forgiven under PLSF. MOHELA has my account and has put me under 2 ninety day reviews even though they have ALL of the correct paperwork verifying my employment as a XXXX  and working at XXXX. My loans also have Senator XXXX XXXX on my account to act as POA since I've had nothing but a mess from XXXX  and now Mohela. Enough is enough. Action needs to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several attempts that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$1300.00}
Product: Credit reporting or other personal consumer reports

PLEASE DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. 

EQUIFAX : XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$24.00} XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. The following accounts are listed below : XXXX XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX Balance : {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX, I spoke with XXXX XXXX XXXX Bank ( XXXX ) regarding a balance of {$1300.00} reported on my credit report. This account was acquired by another Loan Service Provider. I received paperwork that the first payment would be due to the new service provider on XX/XX/XXXX. I have reached out to XXXX in an attempt to correct this item and remove the charge-off. This never should have been on our credit reports. The account was acquired. We have reached out many times to XXXX and they seem to not have much information ; however, they continue to keep this erroneous information on my credit report.
Product: Debt collection

In XX/XX/year> I purchased XXXX retainer system. Per their email that I received, they stopped operations in XX/XX/year>. Therefore, I was not able to finish my treatment or access the agreed upon dental assistance to ensure proper tooth alignment. My teeth are now misaligned because I was not able to receive the last set of retainers from them, nor proper dental treatment from a licensed dental professional. They have violated their contract with me by not competing services and ceasing operations by going out of business, but have attempted to add a collection on my credit report via Tek Collect in the amount of XXXX which exceeds the amount of the entire original payment, and disregards payments I made before the company went out of business. They did not complete treatment and this contract is null and void. I did not sign any contract with Tek Collect nor share my social security number with this company.
Product: Debt collection

I received a phone call from a company that identified themselves as Midland Credit Management, they said that I had an account with them that I owed money on, and advised me they were looking for attorneys in my area. The call was on XX/XX/2020, I told them I didn't recognize it and advised I wanted a debt validation letter and wanted to cease and desist all future phone calls. I advised not providing me those details they would be in violation of the FCRA, and FDCPA. They persisted and had two people on the line trying to make me pay a debt I don't even recognize, they said I had the account for 3 years and made payments on it, and kept trying to force me to resolve it then and there. I again advised them that I'm not paying it, I'm not answering any more questions, to send me a debt validation letter. I advised that all future correspondence needed to be mailed to me. I XXXX the name of the company and it's a legit company, but I can't believe a legit company would be using these kinds of collections tactics in 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 unauthorized inquiries on my credit report. I have sent letters and even contacted Equifax directly. I explained to the representative that I had contacted the companies directly already and they all directed me back to the bureau.
Product: Mortgage

I made a payment to my mortgage company ( XXXXXXXX XXXX who had been subservicing my loan under XXXXXXXX XXXX ) on XX/XX/XXXX. The payment was intended to prepay one month in advance. 

This check # XXXX cleared the bank on XX/XX/XXXX. However, it was never applied to my account. 

On XX/XX/XXXX my mortgage was transferred to Select Portfolio Servicing. 

In early XXXX, I reached out to my prior service provider. They told me that the payment was forwarded to Select Portfolio Servicing on XXXX and that I would need to follow up with them. 

I contacted Select Portfolio Servicing multiple times over the next several weeks. I was told that my account was flagged for a missing payment but that it could take up to 60 days for all transfer information and payments to be correctly applied to my account. 

After the 60-day period, the payment from check # XXXX still has not been applied to my account. I called on XX/XX/XXXX and spoke again with Select Portfolio Servicing. No information was provided about the missing payment. I was told that a case would be escalated and someone would call me back within 2-3 days. No one called. 

I called Select Portfolio Servicing today XX/XX/XXXX. No new information is available about the missing payment and no activity is shown on the case since my last call.
Product: Student loan

I write to request that periods of full-time public service combined with periods of in-school deferment be counted toward PSLF. [ I was informed by FedLoan that payments while in grad school would not count toward PSLF, so I did not make any payments. ] If these payments would count toward PSLF, I would have enough payment for my loans to be forgiven under the new waiver. This would be a huge weight lifted from my shoulders as I have been in repayment ( on and off ) since 2011 and the amount owed has actually gone up! It's ridiculous!
Product: Credit reporting or other personal consumer reports

Since 2020, I have been disputing a debt with all three credit bureaus. In XXXX, I sent certified dispute letters to all three bureaus, along with all required documents, including my ID and Social Security number. XXXX returned the certified mail green card but has not provided any response regarding the dispute. I have not received the certified return card from Equifax or XXXX. Equifax has repeatedly stalled, asking for more information despite receiving everything they requested. 

I also disputed the debt online, but the investigation results came back as accurate and validated. When I contacted XXXX to ask for documentation on how they validated the debt, I spoke with a representative who was very rude. She informed me that they use an automatic system for disputes and that she was not allowed to share any information about how the debt was validated. 

Under the Fair Credit Reporting Act ( FCRA ), 18 U.S. Code 1028, 15 U.S.C. 1681b, and 15 U.S.C. 6802, I have the right to dispute inaccurate information and to receive documentation validating the debt. I have repeatedly asked for the validation of the debt, including the original purchase agreement, payment history, and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information, which is a violation of my rights under these laws.

I respectfully request the immediate removal of this debt from my credit report, as the bureaus and the collection agency have failed to comply with federal regulations and have repeatedly violated my rights.
Product: Debt collection

I am in a program that is helping Me get out of Debt and all but 1 Company keeps Calling Me Everyday 2-3 times a Day and is Calling My Employer I have told them I am getting things taken care of and They Continue to call everyday even when I'm already in Bed My Phone rings I am a XXXX  for My Employer and I get Phone Calls while I'm XXXX The Company Ithat is Helping Me told Me not to answer their calls My Wife Spoke to the person in the office of the Consumer and asked Her not to call She said She would Continue to Call
Product: Payday loan, title loan, or personal loan

Between XXXX - XXXX I acquired long-term installments loans concurrently with the following companies : Check N Go, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX. 

I struggled to pay the installments for each of these loans and have reached the conclusion that these businesses did not adhere to the laws 1041.5 ( Ability-to-repay determination required ) and 1041.4 ( Identification of unfair and abusive practice ). 

In regard to Check N Go, on some occasions I was allowed to make a partial payment toward my existing installment loan in order to apply for a greater loan. This may fall under the definition of " rollover '', in which is prohibited in California. 

Additionally, XXXX XXXX allowed me to obtain a Payday Loan and Installment Loan at the same time. 

During this horrific period, I was robbing Peter to pay Paul and consequently was stressed beyond belief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of terminating my contract with XXXXXXXX XXXX XXXX Timeshare due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the Timeshare been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1 XXXX misrepresented the reservation of the time share rooms. Any time we looked to book, there were none open for reservation. Nnable to book at any XXXX property or given any alternative. 

2 The Salesmen said repeatedly that she would be our personal agent to make any and all bookings. After multiple attempts to reach her she continued to not answer phone calls or texts to the numbers she noted 3 Paid over {$11000.00} and were never able to use any of the points assigned to us through the program. 

4 The titled property was said to grow in value because of it being tittled but actually was worth less than what we purchased for when we decided we wanted out.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I XXXX XXXX called Experian after getting my annual credit report about the incorrect information on my report. My report has names on it that are not mine and I have never used, and there are addresses on it that I have never lived at and states I have never lived in.
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report, I am appalled at the credit agency repeated failure to address fraudulent accounts and unauthorized hard inquiries that I have previously disputed. I am writing again to demand immediate action to block and delete these entries in full compliance with federal law. XXXX, XXXX and Experians negligence and irresponsibility to remove these unauthorized inquiries is costing me and my family to suffer for me to provide them a better life. As a XXXX XXXX and father, I carry the heavy responsibility of providing for my family, but these fraudulent entries have severely hindered my ability to achieve financial stability. This is more than just a disputeit reflects the systemic barriers I continue to face while trying to secure a better future for my household. Under 15 U.S. Code 1681c2, All 3 listed above credit agencies are legally required to block all fraudulent information within 4 business days of receiving my identity theft documentation. Your failure to comply has violated my rights under the Fair Credit Reporting Act ( FCRA ). Please remove unauthorized/fraudulent inquiries and accounts Fraudulent Accounts : Please remove unauthorized inquiries. Unauthorized Hard Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please immediately delete and block the fraudulent accounts and unauthorized hard inquiries listed above. All 3 credit agency must adhere to 15 U.S. Code 1681c-2 by blocking the entries within 4 business days of receiving this complaint. All XXXX credit agencies ( XXXX, XXXX, Experian ) continued inaction has already caused harm and is a direct violation of my rights under the FCRA. For violating my rights, I request you send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

The information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1-I will like to keep my XXXX XXXX XXXX fully and timely paid closed account on my report since it demonstrated my payment history that should always be part of my report, it was removed on XX/XX/2019 2-will state the facts as it appear on my credit report, on XX/XX/2019 a collection account from XXXX XXXX XXXX for {$1500.00} was removed from my report per the collector changing my score which was at XXXX by dropping 76 to XXXX. I believe my score was suppose to go up 76 point to XXXX after the account removal by XXXX XXXX, you can check my score trend to validate my contention
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 
Account name : XXXXXXXX XXXX XXXX  Account XXXX
Product: Credit reporting or other personal consumer reports

I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. My distress arises from the fact that I HAVE BEEN A VICTIM OF IDENTITY THEFT, A CRIME THAT HAS INFLICTED SEVERE EMOTIONAL AND FINANCIAL TURMOIL UPON MY LIFE. YET, YOUR BUREAU 'S RESPONSE, OR RATHER THE LACK THEREOF, HAS DEMONSTRATED A SHOCKING DISREGARD FOR THE URGENCY AND GRAVITY of my situation. Let me be unequivocally clear : I WILL NOT TOLERATE THE APATHY AND INDIFFERENCE I HAVE ENCOUNTERED THUS FAR. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have marred my credit profile and compromised my financial stability. The consequences have been dire, affecting my ability to secure loans, mortgages, and even employment opportunities. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/scrub> 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I gave my bank information over the phone to a woman collecting money for Comenity Banks Victoria Secret Store card and then she didnt process my payment after she said she would. I asked to close the account and she transferred me to her supervisor, hung up and said thats weird and that she didnt hang up or transfer me yet. After it happened again I left it at that, assuming that she processed that payment like I asked her to. I had my doubts and then the next day I got a notification from XXXX XXXX saying that there was a late status on the account. Not only did that first American representative not process my payment, she reported me to the credit bureaus, this after I have received no mail from VS or Comenity Bank, and after I attempted to pay it. She was mean and told me I didnt know how credit cards work EVEN though I cooperated and gave her my information. We naturally didnt have a great interaction, mostly because of her bullying behavior. I have a XXXX XXXX and I thought I was doing really good with it and I try so hard to limit my stress but this gave me days of XXXX  and XXXX  episodes. It should be against the law to go beyond your job duties like this and trample on human beings you might actually like, lying to yourself that, oh well, you dont make any difference, because you definitely do. Oh yes you do.