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

Student loans 1-14 from XXXX XXXX have been disputed continuously since XX/XX/2021. Each round resulted in TU stating that the information was " verified '' and no actions would result. I ultimately uncovered and submitted proof that the 14 student loans accounts that were marked 90 and 120 days late were actually never in fact delinquent as I was in forbearance at the time of the erroneous reporting. Now all of sudden that I submitted proof that these accounts should be updated to good standing. Transunion decides to DELETE all of the information instead of update their records to reflect positive payment history. This is a DIRECT ATTACK on my personal credit and well being and tu has caused me considerable harm since they stated these accoutns were " verified '' when they were not and then instead of updateing postive payment history over 14 accounts they decide to circumvent my request to update the payment history and instead removed EVERYTHING which is intended to hurt my ability to obtain loans based on good credit history and purposely designed to keep me paying high interest rates and face loan discrimination. I want transunion to come in to HONOR and update my records to reflect the positive payment history I earned and deserve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file numerous dispute with reporting agency experian about this fraud account that does not belong to me that last dispute was file in XX/XX/XXXX i also files in XX/XX/XXXX i filed and sent documents as they requested the account has not been removed i filed the FTC report they removed all the other account and inquires but not the XXXX XXXX XXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the Credit Bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking number # XXXX. 

According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Account : XXXX XXXX  XXXX Number : XXXX Account XXXX XXXX XXXX XXXX Number : XXXX Account : XXXX XXXXXXXX Number : XXXX Account : XXXXl XXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account XXXX XXXX XXXX XXXX : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Number XXXX XXXX Account XXXX XXXX XXXX Number : XXXX Account XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX Number XXXX XXXX Account XXXX XXXX  Number : XXXX Account XXXX XXXX XXXX XXXX XXXXumber : XXXX Account : XXXX XXXX XXXX  Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX XXXX Number : XXXX Account : XXXXXXXX XXXX XXXXXXXX Number : XXXX Account XXXX XXXX XXXX XXXX XXXX  Number XXXX XXXX Account : XXXX XXXX Number XXXX XXXX Account : XXXX XXXX XXXX Number XXXX XXXX Account : XXXX XXXX XXXX Number : XXXX Account : XXXX  Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Unknown Furnisher account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XXXX 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

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 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

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Both of these accounts have the same account number, and are reporting twice. Surprise billing act has also been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax is refusing to allow me to get my annual free credit report i have called and talked to rep and tried online with no progress.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 
I have BK OF AMER. I have always made my payments on time. For some reason, I realized that there were XXXX days late payments on my credit report for the month of XX/XX/2019. I have read enough to understand my rights. The XXXX Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about this complaints, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
BK OF AMER XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX; XXXX  and Transunion are reporting incorrectly that I am (60) days late on the XXXX  – partial account number ****XXXX.  (Please see page attached from my credit report.)    When this loan was sold from XXXX XXXX, I was not notified in a timely manner and I would have to physically track down the new holder of the note and make sure the payments were being applied correctly to the new loan.  The law requires that “you be notified within (15) days of the sale of the mortgage and that you should receive two letters, one from your old lender and one from your new lender. These letters should provide you with all the information you will need to communicate with the new lender, including where and how to make your payments.”  Pursuant to the Real Estate Settlement and Procedures Act or (RESPA) – “If you have sent your payment to your old lender by mistake, RESPA protects you against penalties for a limited amount of time after the mortgage transfer.  After your mortgage is sold, there is a 60-day grace period during which the new lender cannot charge a late fee on payment, if you mistakenly sent that payment to the old lender. This two-month grace period “protects the borrower.  If you are late due to sending the payment to your old lender, the new lender may not report it to any credit agency. Your loan cannot be deemed delinquent during this grace period, either.”  The lates that are reporting are false.  I was never notified in a timely manner of the new lien holder and this account most certainly falls within the 60-day grace period wherein the lender cannot charge a late fee on payment.  I respectfully request that these late payments be removed.  This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report.  I have contacted the (3) bureaus to remove these however, I have not been successful.
Product: Checking or savings account

Hi i checked my mail and i received a letter it said that my account will be closed and they didn't explain why it will be closed and i haven't done anything wrong my accounts are in good standing and they will close my ally bank on XX/XX/2018 and refuse to tell me why .... and i have few pending deposits coming in to my accounts and i need the money .... i have open a dispute on two ACH transactions and this could be the reason why they closed my account and i dont like the way ally is handing these disputes they take too long to resolve and all they had to is do a chargeback but they didnt do that i will now take my business elsewhere ... i never reported fraud or request for new debit card so i dont know why there are closing my ally bank account ....
Product: Credit reporting or other personal consumer reports

I have sent in documentation and been through all types of hoops since XXXXXXXX XXXX wrongfully closed this account due to a false death indicator without proper documentation or investigation. 

XXXXXXXX XXXX  has inaccurately reported this account to have late payments as well as closed the account due to false information they did not investigate causing great stress and costly damages to my credit report and personal life. 

Equifax refuses to remove the inaccurate late payments as well as my request to delete the account My rights are being violated as a consumer outlined in the FCRA, which states I have the right to fair and accurate reporting. The FCRA also states Equifax has a duty to uphold fair and accurate reporting. They can not willing report inaccurate information. 
Yet, after this account has been proven inaccurate and removed from the other credit agencies they continue to ignore my request for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the response to my fourth complaint regarding Republic Finance and credit reporting. In XXXX XXXX XXXX a complaint was submitted regarding Republic Finance reporting a delinquent payment status on my account. After the complaint was resolved Republic Finance sent me a letter stating that they would waive all late fees. In addition to waiving the late fees the letter stated that the payment status would remain delinquent unless that remaining balance was paid in full before the XXXX XXXX, XXXX due date. The letter also stated that the payment status would be adjusted and reported as current if the payments were made on time. Two payments were made in the amount of {$120.00} and {$120.00}. Both payments were submitted via XXXX XXXX XXXX check and cleared my account on XXXX and XXXX respectively. On XXXX XXXX, XXXX Republic Finance reported to XXXX and XXXX that my account was paid in full but still reported the account payment status as delinquent for the month of XXXX XXXX. My account was paid in full before XXXX XXXX, XXXX due date and my bank account statement will show that the checks presented for payment were cleared before the end of XXXX XXXX and before the next due date of XXXX XXXX, XXXX.
Product: Debt collection

I am being contacted concerning a debt that is not mines. I have written them several letters asking for Validation of the debt and have yet to get any type of response except we have verified it with our client. I know they have received the debt validation request because I sent it certified and it was sign for on each communication I have had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a Syncb/PayPal card in my name. While the merchant did mark the account as fraudulent they did not remove the inquiry.
Product: Credit reporting or other personal consumer reports

I have found inaccurate and incomplete information on my credit report. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> l received multiple credit notifications about hard inquiries that I did not authorize from Bank of America, XXXX XXXX XXXX, and XXXX Card Servies. These hard inquiries immediately negatively affected my credit report and credit score causing my credit score to go down.
Product: Credit reporting or other personal consumer reports

In Early 2024 your Company Help me get A collection off my Credit Report that At & t place on my Report!! Once again XXXX & XXXX places a collection on my Report!!! On XX/XX/XXXX of 2024!!! I had ask for any Information or paperwork they may had for this account!!! Also I ask them for an address that was given and that state Another address I never lived at. Also I asked the in XXXX for something to be sent to me because I still have At XXXX t Now!!! But they never emailed or mailed me anything please help me!!!
Product: Debt collection

I submitted a debt validation to this company under the Texas Finance code Section 392.202 which requires a debt collection agency to provide specific information within 30 days. This company, although responded within the 30 days, did not provide the requested information. They only sent me a claims form and a old copy of the least. Per law this is to be removed from my credit report immediately. The company unlawfully started to resend collection letters after knowingly, not providing adequate information under the Texas Finance Code. I faxed the company notice that it is to be removed per law and collection to cease. However, they have not done so and have received no communication. 

The information that was to be verified is as followed per Texas Finance Code Section 392.202 : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear AMERICAN EXPRESS ; XXXX ; XXXX ; XXXX ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the XXXX major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm quite not what's going on, but I can tell you that this account doesn't belong to me, and also it continues to report incomplete, and multiple inaccuracies on my credit report. It's my understanding that once an account is in charge-off status, it can not continue to report any more payment activity as XXXX days late or a C/O. For example, the dates of XXXX delinquency, dates of last active, etc are all incorrect, and with multiple inaccuracies. Still continue to report multiple inaccuracies and incomplete, unverifiable info! Different dates of XXXX, XXXX, XXXX, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. DELETE!!! 

" CFPB Released a recent report detailing deficiencies of the XXXX major credit reporting agencies : XXXX, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to XXXX calendar days to respond. ''
Product: Debt collection

On XXXX XXXX 2022 Portfolio Recover called my XXXX XXXX XXXX sisters phone twice while she was in school. I called back to inform them that it was a number belonging to a minor and that they need to put her number on a do not call list. The representative was very rude and uncooperative and tried to get my information instead of apologize and correct the issue. They also frequently called from fake numbers.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concern to regarding zelles handing of disputes, particulary in light of the CFBP lawsuit highlighting significant issues with the platform, despite using zelle all the time to use money transfers theres many times where im reporting discrepensies within the app, and my financial institution, zelle failed to investigate my report adequitly, they also said recovering my funds was impossible, and tracking was not available, the CFBP finds that zelle hasnt only neglected to protect there customers, but had allow people to exploit the platform leaving us vulnerable to scams. and this lack of accountability is very disturbing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my onemain account on XX/XX/2020. I recieved all documents ( title, contract, and verification letter that account is paid off ). I sent a Certified letter to XXXX  in XX/XX/2020 notifying that my account is still opened and request to close my account. They did an investigation. On today a customer representative from onemain credit department said they just verified the information back in XXXX. On XX/XX/2020, onemain reported missed payments on a closed account to XXXX. I sent 1 Certified letter with documentation showing proof of my account is closed to onemain. They didn't do anything. Per our conversation on XX/XX/2020, she said she received the second letter in May then she lied and said that they received the letter on yesterday. I told her that I can take them to court for posting missed payments on a closed account. I told her that I want the account removed and want my points back. She said that they go by the order that they received it. Please listen to the conversation because they recorded it.