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

Thank you for taking the time to review my request. I have attempted to resolve my issue of inaccurate information on my credit file twice with both XXXX and Experian over the last several months. As well as requesting copies of the information directly from the creditor where Experian and XXXX are allegedy getting the wrong information. No one can provide the information used to sign up or copies of the information so I can verify, I have NOT missed any payments on any of my accounts and this has caused higher interest rates and less money that I could use for my family. XXXX said it had not reported since XXXX  but yet creditors have pulled my credit file and using something that hasnt even been updated in a year., Experian and XXXX are both reporting inaccurate information and wrong information on both of my credit files. They are not verifying the information with the credit card companies and the companies reporting this bad information. 

Below are the companies I have requested copies of the information from both the Credit Bureau and the creditor on 2 occasions to verify my information and to provide me with copies of the information they used to verify that info with the original creditor. I requested this from Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have also attached the accounts of the inaccurate information for the ones with missed payments. 

All the information the allegedy verified was verified through a third party that I did not give authorization to share my information. This is the exact reason i did not want my information shared because now I have inaccurate information being reported causing me to have higher interest rates. The hard inquiry was inaccurate and they could not verify as well. Please verify the derogatory information and provide me with copies as well. If you can not provide copies of this within 30days please remove.
Product: Prepaid card

rush card promised to have pay roll and government checks direct deposited and posted and available 2-days prior .last week i didnt receive my direct deposit until the day of my pay day. this week i have not received my direct deposit at all i am paid weekly wednesday by my employer but my initial pay day is friday. my employer sent my pay but rushcard has given me every excuse and even hung up on me on occasions because i asked for a set date and time frame i should have my money. they even told me to go to a money pass atm because the money is there i did my balance still says XXXX im behind on bills, i have no groceries, i cant pay my son school fees. i need and want my money NOW or im forced to cancel my services i cant take this weekly my rent is about to br due so is another pay period i refuse to give them XXXX checks that i cant access an use.
Product: Credit reporting or other personal consumer reports

This is a follow up to a previous unresolved complaint closed last year ( XXXX ). The fact Experian is reporting duplicated entries ( XXXXXXXX XXXX  XXXX ) on my report which is impacting my home purchasing power. The lender provided the attached file with the listed loans. 

I tried to resolve this case directly with Experian and they are not willing to assist nor provide proper validation of the accounts. You are my last source to protect my rights as consumer. The lender provided the attached file with the listed. 

Urgently assist. 

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

On XX/XX/XXXX I received the following message from XXXX, but they continue to report to all three credit reporting agencies that I still have a balance owed. When I check my account at XXXX it shows XXXX balance. 

Your XXXX loans have been forgiven. 

Please log in to your inbox at XXXX to view the full message. 

XXXX, Congratulations! The Biden-Harris Administration has forgiven some or all of your federal XXXX loan ( s ) with XXXX in full. 

This debt relief was processed as part of the Biden-Harris Administrations one-time account adjustment because your XXXX loan ( s ) have been in repayment of at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XX/XX/XXXX. 

Log in to your account for details at XXXX. 

WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of 2021 the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact your tax advisor for more information. 
Not all your federal XXXX loans may be listed in the letter delivered within your account as you may have begun repaying each loan on a different date. If you have federal student loans that are not listed in the letter, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit XXXX 
We have notified, or will notify by the end of the month, all national credit bureaus of your XXXX loan forgiveness. 
If applicable, well process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This letter is NOT an attempt to collect a debt or a demand for any payment. 

BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal XXXX aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX or XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting reportfraud.ftc.gov. 

HOW TO CONTACT US For information regarding your XXXX loans and the forgiveness process, please contact us at XXXX, or online at XXXX. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report that I didnt authorize. It appears my identity may have been stolen because I did not approve these accounts. I have previously discussed this issue and now urgently request that these accounts be promptly removed from my report. Their presence is causing me significant stress. These entries do not accurately reflect my true credit history or financial habits, and dealing with this situation has been challenging. If this matter is not resolved, I am prepared to take legal action to protect my rights and seek a resolution. These incorrect items on my credit report are a major issue for me, as they are preventing me from achieving important financial goals such as buying a house and supporting my family. I hope we can resolve this problem promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Product: Credit reporting

Experian XXXX. XXXX XXXX XXXX, TX XXXX RE. XXXX. : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and XXXX and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Agency and Account Number ( s ) : XXXX / XXXX XXXX Collection of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I ho

pe that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry XXXX XX/XX/XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information to my credit report. 
-Two year payment history is incomplete. 
-Date last active is different and incorrect with all XXXX  credit bureaus. 
XXXXLast reported date is incorrect with XXXX .
Product: Credit reporting

Someone has stolen my entire identity. They 're currently paying a mortgage under my identity and have numerous credit card purchases.
Product: Debt collection

Lvnv Funding Llc is claiming that I owe {$430.00} for some debt, I have asked for some sort of verification. I have asked for a promissory note, or something thats says that this is my debt. All I can get from Lvnv is  what they say is the original creditor. They wouldn't verify anything, and at that point they tell me that they don't have to prove anything to me and ask what am I going to do about the bill, how am I going to pay the balance.
Product: Payday loan, title loan, or personal loan

I sent an email to the company on XX/XX/XXXX revoking authorization of automatic debit payment from my checking account. They once again drafted another payment of over {$200.00} from my checking account on XX/XX/XXXX. I sent another email on XX/XX/XXXX demanding them to cease automatic debits from my account and to reverse the previous payment. I have not received a response nor have they reversed the payment
Product: Debt collection

On XX/XX/XXXX I spoke with a Rep by the name of XXXX XXXX He called my work line and I advised that it wasn't a good way to contact me as I was at work. He proceeded to try and keep me on the phone after I advised I was working multiple times. I told him the only # to contact me would be my cell phone #. He still proceeded to go over the account with me after I advised I couldn't speak at the moment. I asked that he email his offer. He sent me an account overview that did not include the offer he made. I attempted to call him back on XX/XX/XXXX at XXXX est but he did not pick up. he proceeded to call my grandmother on XX/XX/XXXX after I advised I could only be reached at my cell phone #.
Product: Mortgage

For more than a year I have been trying to get current on an alleged missed mortgage payment with Mr. Cooper. For more than a year I have followed their instructions and directions to get current and now that the account is technically current Mr. Cooper is unwilling to do what is necessary to resolve the delinquency. 

In response to the letter received by Mr. Cooper dated XX/XX/2023 RE : Funds Received Suspense Notice : I have performed my due diligence and I have paid the outstanding balance in full. The outstanding balance that Mr. Cooper is looking for, by their own admission, has been split between surplus escrow and unapplied funds accounts, which has been disbursed by Mr. Cooper as they deem appropriate to their monetary advantage not the clients. The money in these accounts is my money, not Mr. Coopers. However, Mr. Cooper decides how and where to distribute funds while trying to make a profit off of my distressed situation. I have done my due diligence per the direction and information provided by Mr. Cooper and Mr. Cooper alone has the ability to bring my account current with my money that I put into the account but refuses and is unwilling to do so and instead is attempting to collect frivolous fees while sending threatening letters of foreclosure to a XXXX an XXXX Veteran. This is predatory and it is being practiced on those less fortunate with the least number of resources to fend for themselves. 

As of XX/XX/2023 according to Mr. Cooper in the letter sent XX/XX/2023 RE : Funds Received Suspense Notice the total balance required to bring the account current is : {$3100.00} : That has increased {$120.00} since XX/XX/2023 As of this date XX/XX/2023 the Unapplied Balance is currently : {$1500.00} As of this date XX/XX/2023 the Escrow Balance is currently {$2900.00} As of this date XX/XX/2023 the total balance in the Unapplied and Escrow accounts total : {$4500.00} To bring account current it being requested that Mr. Cooper reconcile the account. 
o Total Balance Owed : {$3100.00} {$1500.00} [ Unapplied Bal ] = {$1600.00} remaining to bring account current it would be prudent if Mr. Cooper recover remaining balance from the Escrow Account o Escrow Balance {$2900.00} - {$1600.00} [ Remaining total from above ] = {$1300.00} reaming in Escrow Account The remain above balance is more than enough to maintain Escrow Account Minimum. 

I am in the situation because I trusted and followed Mr. Cooper instructions, it is upon Mr. Cooper to correct this. 

MR. COOPER HAS THE MONEY DO THE RIGHT THING.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX XXXX  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 or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXVA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Debt or credit management

Capitol one didnt allow me to continue trying a payment plan for the {$280.00} balance on XXXX XXXX due to the account being closed.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Product: Credit reporting or other personal consumer reports

After numerous attempts to have this fraudulent account removed from all my credit reports Conn appliances refuses to remove.
Product: Credit card or prepaid card

I attempted to make a charge on my Discover Card on XX/XX/XXXX for {$19.00}, and it was declined. I switched to another credit card and made the purchase. 

The item is still pending, so it is affecting my available credit. I understand that it will be cleared in a couple of days. The problem is that Discover Card removes my ability to see that the charge is still pending after it has been pending for three days, according to their phone CSR. They gave no valid reason for hiding this from me, only that is their " procedure '', which is clearly a nonanswer if I ever saw one. Can you tell me what regulation allows them to hide account information from me such as this?
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 never recieved that I owed this debt and I paid this debt in full over 6 months ago. It was taken off one of my XXXX but has reappeared back on XXXX and XXXX and also says we owe them a balance again. I tried calling them to get this removed off my credit and they refused to help me. We even attempted to pay the debt again for help and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it again. the accounts that I am disputing for verification on my last complaint dated XX/XX/2023, have not been verified yet. they are still reporting erroneously on my credit report. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}