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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, and a deletion of the following erroneous information on my credit report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reached out to the company to settle an account with an offer. I did not believe i owed this amount or any amount at all and have disputed the account many times to the CRA 's XXXX agree to remove the account, however the account was subsequently reinserted I was force to negotiate as I'm trying to make a large purchase .My account assigned as account # XXXXXXXX XXXX XXXX XXXX I have never signed any contract with this company. I sent an offer of {$130.00} to XXXX via pay processing center in XXXX, MA. as designated. Along with the payment, I attached an agreement that identified the payment as contingent upon an agreement to settle the account in full and discontinue reporting any negative information to the Credit Bureaus. The payment was received and processed initiating an accord and satisfaction between myself and XXXX. The following contract and agreement was written clearly on the front of the payment tendered : " By Endorsement By accepting and cashing you agree to Report this account and any debt it holds as " paid in full '' and remove any negative information about the debt being reported to XXXX, Experian, XXXX credit bureaus. XXXX or cashing of this payment will constitute a satisfaction and acceptance of this agreement. '' This contract law is based on UCC 3-311, which states that by simply accepting the payment as the accord, satisfaction is reached. XXXX contractually accepted the new agreement and has breached contract by continuing to report this negative account to the Credit Bureaus. I contacted XXXX several times to inform them of this issue, including sending a cease and desist letter via certified mail directly to XXXX XXXX XXXX XXXX XXXX XXXXXXXX and fax. they refuse to honor the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the the incorrect items on my credit report with XXXX, XXXX, and Equifax on XXXX XXXX. It has been well over 30 days. I received results from XXXX  on XX/XX/2021. I have not yet received any investigation results from XXXX  or Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a debt to XXXX XXXX XXXX regarding a XXXX cell phone bill. I explained that I was part of an ongoing billing dispute that was being reviewed by XXXX 's corporate office for 1.5 years. Eventually, the company issued a credit of over {$700.00} to me in XX/XX/2017 but that did not fix the ongoing problem. XXXX reassured me that they would issue the credit to my account. However, I received notice that the bill was sent to a collection agency. I called XXXX who issued an additional credit and told me that they would remove the account from collections. We reached a billing agreement and I paid the difference after they issued the final credit. The payment confirmation number is XXXX.I had a representative from XXXX call the collection office with me to explain that my account should not have been sent to collections but the collection agency refused to speak with the XXXX representative . The account was removed from my credit report but have recently reappeared. If this matter is not resolved I am going to seek legal counsel to assist me. I am in the process of applying for a mortgage and I am unable to because this keeps reappearing on my report. I feel like my rights have been compromised.
Product: Student loan

On XX/XX/year>, I received a notice from Mohela that my pslf forgiveness payments that have been counted were 4. I knew this wasn't correct and sent a massage to Mohela to review my account due to payment forbearance during Covid counted as a qualifying payment, regardless I payments were made. In XXXX I received a massage saying that I had 62 eligible payments, 39 pslf qualifying payments and have 81 payments left. It bothers me that they really messed that up. 4 to 39 is a huge mess up. That is almost 3 years of qualifying payments they were going to XXXX me out of. I don't even know if I should trust the 39 qualifying payments.
Product: Payday loan, title loan, personal loan, or advance loan

To whom this may concern, There an Unauthorized my credit report again this happens twice when I live in this address XXXX XXXX XXXX XXXX. Even though I tried to freeze my credit often now and then but still I believe this same person stole my mail and applied for X1 credit card in the past use my information again. 
I saw my credit hard pull again with same company XXXX that always offer loan in my mail. My latest credit report show hard inquiries that I did not authorize on my XXXX XXXX APP on XX/XX/. XXXX XXXX  APP is always couples day or if not a week behind of update on credit profile is the reason why I just saw a hard inquiry showing on my credit report. 
I did contact XXXX regarding this issue but they told me to call local police again because this happened to me twice with XXXX  and luckily XXXX unable identify that person was me. Please remove this unauthorize hard inquiry out of my credit report ASAP! The XXXX XXXX Police give me this number XXXX for all the Credit bureaus companies to call in anytime to check the report. Police state they wont provide me with actual police report in PDF form is their own city policy. As you can see, Im very cautious with freezing my credit profile often now a day but due to I unable to freeze my credit report anytime on TRANSUION WEBSITE due to some kind of error that I unable to do Freezing manually on my own that causing me a whole lot problem like right now. 
Transunion need to fix issue on my back end so I can manually freeze and unfreeze my credit report anytime just like other credit bureaus to prevent hacker from use my information to apply again!
Product: Checking or savings account

On XX/XX/21 I at XXXX I received an insufficient funds notice saying a transfer I made on XX/XX/21 in the amount of {$100.00} to my son was charged a {$35.00} overdraft fee because the funds were not there. I have a screen shot of my Wells Fargo account showing my account balance at XXXX XXXX on XX/XX/21 was {$180.00}. There were no other transactions from that time until my son put {$120.00} back in my account on XX/XX/21 at XXXX XXXX. In addition, a charge to XXXX XXXX XXXX XXXX in the amount of {$11.00} was credited to my account on XX/XX/21 that was captured on same screen shot I took on XX/XX/21 ; that charge is now gone and showing pending as a XX/XX/21 transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information concerning Experian. I have previously complained of Experian 's illegal conduct under ID # XXXX XXXX and XXXX. Experian has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Experian now claims that my demand was not specific enough despite specifically identifying the accounts Experian has fraudulently reported on my consumer report without either my authorization or validation. Experian is in violation of my rights as a federally protected consumer.
Product: Debt collection

I have never received any information of this obligation to this debt. Also, this debt collection agency is trying to collect on a debt that another agency is trying to collect on my credit reports. XXXX XXXX for XXXX. They change the amount by XXXX dollar to change the debt amount. I compared all my credit reports and the dont match up. I have never seen this debt and they are inaccurate reporting on my credit report. Duplicating account information like this is a direct violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of the data breach & identity theft within XXXX business days of you receiving this complaint. These accounts are inaccurate, XXXX XXXX  XXXX {$2000.00}, XXXX XXXX - XXXX {$520.00}, XXXX XXXX - XXXX, XXXX  XXXX XXXX XXXX - XXXX, XXXX XXXX {$820.00}, XXXX- XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX {$6700.00}. These accounts have resulted in several breaches including Equifax XXXX, & fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, data breaches, identity theft, and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and are the result of a data breach that led to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

have alot on my credit thats holding me back need help geting it offf so i can recieve a creditcard
Product: Debt collection

So some time back in XXXX to XXXX. I was seen at XXXX XXXX XXXX XXXX in XXXX XXXXXXXX XXXX. I'm assuming on the XXXX side. Any time I have gone to XXXX XXXX or any hospital. I always apply for and get approved for Financial Assistance. I've contacted XXXX XXXX numerous times. They even have proof of the time I was approved for financial assistance. They say they see nothing on their end that they sent to collections. When I check my credit report on XXXX XXXX. I have a debt collection from A R Resources Inc. Out of XXXXXXXX XXXX  a debt collection agency. For XXXX dollars. They two different customer representatives I talked to from XXXX XXXX. Told me I had nothing that they could see. That they send to collection. They informed me. I needed to contact the debt collection agency. I've tried contacting them over five times. The last week. Including three to four times alone today. I also tried explaining. That any visits I was seen for at XXXX XXXX. I wasn't covered by any medical insurance or Medicaid. So I always applied for financial assistance. Every single time. I've been approved for 100 percent financial assistance. One customer representative. Even informed me she seen proof of my approved financial assistance and for how long it was approved for and the dates it was approved for. I haven't received any call backs from the debt collection agency. This has all been very frustrating. I haven't ever had anything go to debt collection. I have been working on my credit since XXXX, and have 100 percent payment history on all my loans. It's very frustrating. Someone years ago. Didn't do their job when I was approved for financial assistance through XXXX XXXX XXXX XXXX finance department.
Product: Debt collection

I have asked XXXX XXXX XXXX XXXX to explain the debt owed and they stated that XXXX University was adding a XXXX XXXX debt collection fee to my account. I then contacted XXXX XXXX  and they stated the debt collection agency was adding the debt. When I went back to the debt collection agency, they continued to deny adding the collection fee. They specifically stated on a recorded phone conversation that they did not add the fees and XXXX XXXX added the fees. After speaking with XXXX several times, they stated this is false. 

My complaint is that the debt collection agency is falsely stating they did not add a fee to my debt from XXXX XXXX. 

This is fair collections practice. 

I have also asked the company for the referred contract to validate the debt, with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am also included in a XXXX Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at EXPERIAN over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMED XXXX AND TRANSUNION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

After reviewing my consumer credit report I noticed the following issues : My current address has not been updated correctly, and all other addresses have been deleted. This misrepresentation of my address history is concerning and could indicate improper data handling by the reporting agency.

Unverified Late Payment : I believe there is a reported late payment that was incorrect. Despite my timely payments, the creditor or reporting agency has not provided proof of this late payment nor updated the record with accurate payment information. This incorrect entry is damaging my credit reputation.

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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. 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, IL XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.
Product: Credit card or prepaid card

on XX/XX/2020 i called Comentiy Bank which partners with Victoria Secret to pay my Pink card ( credit card ) bill. Previous to me paying this bill i called in let them know on my last bill cycle that i was out of a job due to the covid-19 epidemic and the extra late fee i could not pay and the charge to process my card should be wave because i was still trying to make a payment in-spite of the situation. i told them that i would probably be a couple days late because i was using my savings to pay bills and i would have to get all of my main house bills out the way first because i have XXXX  children that lives with me and i cant do without. The respond was we will not charge you these fee we understand the situation that you are in. i thanked them and the called ended. i call back on the XXXX of XXXX and things changed. my bill was due on the XXXX of XXXX and i was 3 days late but i want to pay them to stay ahead of my bills. i talked to the rep. about the late charge and she transferred me to someone she said that could help wave the fee be the person that i talked to said there was nothing that she could do i explained the situation and what was told to me and still they said that they couldn't do anything about it. i had to pay a XXXX dollar late fee and a XXXX processing fee on a XXXX bill in the end i payed XXXX to try to stay ahead of the bill and the late fees i payed more then i had to spare. so in the end of me paying the money only XXXX went towards my initial balance. on the next payment i will have another late fee and process because in till i can go back to work i will be late paying my bills because i can only pay out what i have. trying to move money around the best way that i can right now. they offered to lower my payment with the program that they are offering to those who need relief during these time but it would not help me to lower my payments if the company is still charging the late fees and the process fee it will hurt me because non of the money will be going to the balance that i owe. to me this bank is trying to keep people in debt not help them get out of it. using this time to get over on people who need help promising false promises of relief and do not keep there word and also trapping people in a whole of debt that they cant get out of and calling it help. a promise to lower a payment and the fees add up to more then the payment itself, is called highway robbery.
Product: Debt collection

I recently received a copy of my credit file from three major credit bureaus and contain inaccurate information by your company. The report contains an amount of : {$670.00}. And {$960.00} Account # XXXX. I did not make or authorize this charge. 
I am requesting that the charge be removed on all accounts from your company record and remove ASAP from three major credit bureaus. 
Disputed Account # XXXX Original Creditor CAPITAL ONE BANK USA N.A. 
Total Amount Claiming : {$670.00} and {$960.00}
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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

Disputed item this is not my account XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I wrote and mailed certified letters to XXXX XXXX XXXX for Account XXXX amount {$710.00} and account number XXXX amount {$7900.00} requesting verification of debt. XXXX XXXX XXXX. never sent me debt verification within XXXX days. Around XX/XX/2023, I disputed the above debts with XXXX, Experian, and XXXX, giving them proof of my certified letters ( XXXX and XXXX ) and proof of receipt of the certified letter by XXXX XXXX, XXXX. After completion of the disputes, the above inaccurate debts still remain on my credit reports which is causing an interference in me obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX Account # XXXX Collection for XXXX XXXX XXXX XXXX {$720.00} Fraudulent Account Please Remove XXXX. XXXX XXXX XXXX Account # XXXX Charge off Past Due Amount {$570.00} Fraudulent Account Please Remove XXXX. XXXX XXXX Account # XXXX Charge off Past due amount {$570.00} Fraudulent Account and Reported Twice XXXX XXXX XXXX XXXX XXXX Submitted to Collection Amount {$750.00} Fraudulent Account Please Remove
Product: Credit reporting or other personal consumer reports

XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature.

3. In according with 15USC 1692 Validation of debt requires the XXXX must give the original contract with copy of the debt with their company name on it. 
4.1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and Permanent Disable Act ( TPD ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the Department of Veterans Affairs. 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This past month I submitted a dispute of student loan payment " late 's '' which were in XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. This was clarified and is accurate. 

However Experian added prior " late 's '' to my report which were past the seven year deletion rule. They added seven late 's prior to the XXXX  ones. 

Experian 's own information supports this contention.