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

I've had this provblem for a long time. I've submitted the proper documents stating that I was a victim of Identity Theft. The issue remains and it is effecting my personal life and credit score.
Product: Credit reporting or other personal consumer reports

i am disputing the accuracy of an entry of my credit report from XXXX. While my car loan was financed through XXXX, the loan service XXXX  has been reporting to the credit bureaus however XXXX  is not authorized, as per loan agreement with XXXX, to report this information to the credit bureaus. 
Details 1. XXXX is reporting my loan payments to the credit bureaus but they are not listed in my contract with XXXX  as the authorized servicer. 
2. I have contacted the credit bureaus previously but there has been no clear resolution regarding their reporting practices.

3. I believe XXXX  is reporting Inaccurately or without the appropriate legal authority.
Product: Debt collection

On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX XXXX. XXXX asking them to validate an item they have listed on my credit report. It was received and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. After waiting 30 days for a response, I received none. On XX/XX/XXXX I contacted the company to inquire about my request. The person who answered the phone was very rude and refused to work with me. I then filed a complaint with the Better Business Bureau ( Complaint ID XXXX ). In response to my complaint, on XX/XX/XXXX the company wrote : " The itemized statement was mailed to you today. Thank you, XXXX XXXX. '' This company has been reporting invalidated information to the credit bureau, and may also be in violation of HIPAA, and their nonchalant attitude about it is rather disturbing.
Product: Debt collection

I am being called at least XXXX a day from Flagstar, stating that they are calling for a business matter. I do not have any kind of loan with Flagstar, and have at least XXXX time called Flagstar, spoke with a representative, explained who I was, and that I did not have a loan with Flagstar. Every time I have been asked if I am, or if I know who XXXX is, and every time I reply that I do n't know who they are talking about. The Representative then tells me that they will take my phone number out of the system, but the very next morning I receive the same phone call. I receive at least XXXX phone call from Flagstar everyday, sometime very early in the morning.
Product: Credit reporting or other personal consumer reports

same issue i reported last year : XXXX and equifax still both demand a mobile phone number, which they have no right to and will place on the report iteself, before providing the report which is required by law. XXXX demands hard copies of ID as if i don't exist, which have been sent over the decades several times as i am almost XXXX years old. none of the 3 major bureaus will provide my annual report. 

again, it is illegal for them to demand my mobile phone number before providing my report as required by law, and if they don't stop demanding mobile numbers before providing the reports, perhaps a class action lawsuit is in order.
Product: Prepaid card

I received an AMEX gift card as a bonus from my work. I tried to spend it online at XXXX and in person at a store, but both times the payment was declined. The record says " declined - missing security code '' for both purchases, in a store and online.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # 1 : XXXX XXXX XXXX XXXX, have violated my rights. 
Account # 2 : XXXX XXXX  XXXX, have violated my rights, Account # 3 : XXXX XXXX XXXX, have violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Sent certified mail to All 3 credit agencies a letter of affidavit for my address still no progress. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX  my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, XXXX XXXX XXXX has lowered my total credit limits from $ XXXX to $ XXXX. 

After reaching out to XXXX with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. 

XXXX  XXXX XXXX has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! 

I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. 

Again, XXXX  XXXX XXXX does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Product: Debt collection

A XXXX doctor is reporting the debt from an XXXX  visit to a public hospital. XXXX credit collection purchased the debt but has refused to provide proof that the debt belongs to me. I am attempting to have this debt removed from my credit report.
Product: Student loan

my issue is with conduent. my original student loan was opened in XXXX. I have been going to school and all loans were deferred. i got ill with XXXX in XXXX XXXX and stopped going. 99 % of my loans were with XXXX and they contacted me about repayment. when i called them they told me how i needed to handle it. ACS apparently sold my loan to conduent. In XXXX XXXX i called the XXXX, XXXX and New york after discovering a late reporting on my credit bureau. Nobody could help me. The customer service associate said they only handle investment accounts. 

About two days after the phone calls I get a bill from Conduent. The bill was for a minimum payment of over {$300.00} and said i was already delinquent. I called conduent on XXXX XXXX, XXXX and was told to write in to emailsupport about Account XXXX. I told them this debt is being disputed because 1 ) i do n't know if its mine 2 ) i never got a bill. 3 ) according to one credit bureau this is still being deferred. 

They wrote back saying they are required to report accurate information. i re wrote sending a screen shot of my credit bureau and advising i never got a bill before now. they responded by calling me someone else name and still said they would not assist. 

My name is XXXX XXXX. the account # is XXXX with XXXX.
Product: Credit card

I have had a Capital one credit card for a while. This situation occurred before. I paid my bill. There was an XXXX  on my account which was satisfied due to my error, I've never been late on these accounts ; however it was closed due to fraud. Please explain to me how is it fraud when I'm paying from my own bank account and have never been late. Capital one has instructed me to continue paying the account ; so what does not make sense is that they will accept money from me but list my account as fraudulent. This is ridiculous. Please explain how people can get these accounts, never pay them, and then give them another on after a year of it being charged off that's fraud. I am not a fraud consumer. If my bank thought it was fraud I would no longer have that account. I use this same account for all my bills and have been for years. All I want is to get my accounts back and I will limit my since this is the norm. I'm trying to build my credit and can't have this on me. I appreciate you all working with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX says on my credit report that I owe them {$13000.00}. I have filed several disputes and this is from 2011. I have called the XXXX to pay this debt but when I put in my social security number it states they have no record. I am trying to get this removed due to the date of 2011. This is my last effort in doing so. Please advise or help me.
Product: Debt collection

I received a letter from Sequium Asset Solutions , LLC that was dated on XX/XX/XXXX. It claimed that it was tasked with collecting debt from XXXX XXXX XXXXXXXX XXXX XXXX for {$110.00}. I have never been to that doctors office so I do not know why I am receiving this bill. I sent a letter requesting them to prove that I actually owe this amount of money on XX/XX/XXXX. They never responded. However, they added the debt to my credit report on XX/XX/XXXX. I do not believe that this debt is mine, nor do I believe that it should've been added to my credit report since they never validated my debt in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to XXXX, Equifax, XXXX Consumer financial protection bureau I choose to opt out of the following credit reporting the following companies have not asked properly my permission for credit reporting and I choose to Activate my consumer options according to 15 USC 1682B to opt out of Their monthly credit reporting according to permissible purpose consumer law. 
STOP THE CREDIT REPORTING FOR THE FOLLOWING ACCOUNTS. 
___XXXX XXXX XXXX XXXX XXXX XXXX XXXX___REMOVE__ACCOUNTS__REPORTING___NO___PERMISSION_TO__REPORT._______________________________________________________________________________________________________________________________________________________________________________
Product: Checking or savings account

I became ill in XX/XX/2021, I was unable to work. I contacted the bank and explained to them my situation and they seemed to help by removing over draft fees during this bad situation. I was very greatful. Unfortunately the pay checks from working got smaller and then none, even the ones from my works XXXX program stopped. The bank told me they were no longer helping with people affected by job loss or lost hours. I tried and tried to stop payments from overreacting my account by having the bank block accounts, stop payments, and asked to reverse payments so my account would not get over drafted or worse than what it was cause I told the bank I was not working. They had me dispute a payment in XX/XX/2021 that made my account over {$500.00} negative and they said finally after all my efforts to stop payments being made the bank honored the payment anyway. After starting the dispute they told me as soon as the decision was made on the dispute they would send me something in the mail. After a month I never received anything and called to check every week and they stated still in investigation. I finally got ahold of a supervisor and they said they denied it over a week prior and at that point since I did not make any payment to pay back the negative balance after being instructed not to try anything with the account and switch all the companies doing autopayment and stop them cause once the dispute is complete the account would have the negaitive amount I disputed put back to the account. Never once said anything about being denied just said to investigate the transaction cause the amount was large on my behalf. I was still not working from XXXX to XXXX. Went over a month with no income or XXXX from the hospital I work for. I was hoping to be released to go back to work so they bank agreed to push back my account from being closed and into check systems. I was not able to go back to work later than I expected and unfortunately only for a short time and was ill again and back to being off work. I have been fighting to get caught back up after the XXXX eviction threats, utilities behind, and no income and XXXX little girls to take care of. They shut my account before the date they gave me and refused to help stop this during a pandemic. I filed a complaint with the XXXX a woman got ahold of me and told me to ask to get ahold of them to ask for a payment plan. I have never heard nor got the paperwork sent to me about a payment plan. NOW without notice and no warning only after a little over a month, sold my account to a collection agency before letting pay. I am still off of work trying to get my health ok to return.
Product: Credit reporting or other personal consumer reports

In accordance with the credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may NOT treat a payment on a credit card account under an open an consumer credit plan as late for any purpose.
Product: Credit reporting

XXXX XXXX SERVICING IS REPORTING AN ACCOUNT ON EXPERIAN CREDIT REPORT indicating that a mortagage was paid for and never late. This data was disputed with EXPERIAN without validation as per FDCPA.
Product: Money transfer, virtual currency, or money service

I ordered the new XXXX, but accidentally ordered the wrong one. 
I immediately contacted merchant ( XXXX ) Who canceled the order. 
The pending charge and associated payment plan has been pending on my account since purchase ( XX/XX/21 ) Goldman sachs refuses to drop the pending charge which maxes out my credit limit. 
I have personally been on the phone while XXXX reps tell goldman sachs reps that it was immediately cancelled.

Yet goldman sachs is holding my entire credit limit hostage. And they refuse to tell me when it will release. 
It has now been 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my free credit report from Experian after I was denied a credit card because of a false item on my credit report. After I tried to log into my Experian account several times, it gives me a failure error, cancels my attempt and states a phone number to call. After I call the number the automated system refuses a live agent connection, states I need to use the Experian website and disconnects call - several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hereby dispute the non-reporting of my XXXX XXXX individual credit card account on my Equifax credit report. It has come to my attention that my individual XXXX XXXX XXXX account ending in XXXX is not being reported to Equifax, which is having a significant negative impact on my credit score and financial profile. I kindly request that the matter be thoroughly investigated, and the necessary actions be taken to rectify this discrepancy in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. As per the FCRA, creditors are obligated to report accurate and complete credit information to credit reporting agencies such as Equifax. Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) specifically states : ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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 has reasonable cause to believe that the information is inaccurate. It is evident that XXXX XXXX has not complied with its duty to provide accurate information to Equifax concerning my credit card account. This has resulted in the omission of crucial credit history data from my Equifax credit report, leading to an unfair and unjust assessment of my creditworthiness. I have verified with XXXX XXXX that my individual credit card account is active and in good standing. All payments have been made on time, and the account reflects a positive payment history. Therefore, the non-reporting of this account is a clear violation of the FCRA and has unnecessarily affected my credit standing. I urge Equifax to conduct a thorough investigation into the non-reporting of my XXXX XXXX credit card account and promptly take corrective measures to update my credit report with accurate and complete information. It is essential that you comply with the FCRA guidelines and ensure that all pertinent account details are appropriately reflected in my credit report. Please keep me informed of the progress of the investigation and provide written confirmation once the matter has been resolved. Thank you for your prompt attention to this matter, and I anticipate a favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute an error I found on my credit report. Upon reviewing my report, I noticed that the [ XXXX ] account has an incorrect account opening date listed. The report states that the account was opened on XX/XX/XXXX but according to my records, the correct opening date is XX/XX/XXXX. I am writing to formally dispute inaccurate and outdated information on my credit report. I noticed the following errors that require immediate correction or removal in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX tx, XXXX This account has exceeded the legally allowed reporting period of seven years and should be removed from my report.

Under the FCRA, negative information must be deleted after seven years ( except for bankruptcy, which has a different time frame ). Please ensure this outdated account is removed immediately. 

I have attached supporting documents, including mention any supporting documents to verify the correct information. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this matter and update my credit report with the correct information. 

Please provide me with a written response regarding the results of your investigation. If you determine that the information is indeed incorrect, I request that you send me an updated credit report reflecting the corrections. 

Thank you for your prompt attention to this matter. If you require any additional information, please contact me at XXXX or XXXX Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The consumer reporting agencies have been VIOLATING my federally protected consumer rights. The reports that are being furnished by the consumer reporting agencies VIOLATE my consumer rights in a variety of ways. I am writing to dispute the following information that appears on my consumer report : TITLE 15 U.S. Code 1681 ( a ) ( 1 ) -INACCURATE REPORTING TITLE 15 U.S. Code 1681 ( e ) ( b ) -COMPLIANCE PROCEDURES TITLE 15 U.S. Code 1681c-2-IDENTITY THEFT TITLE 15 U.S. Code 1681 ( b ) ( 2 ) -PERMISSIBLE PURPOSE TITLE 15 U.S. Code 1681 ( S-2 ) -RESPONSIBILITIES OF FURNISHERS
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a major issue with information on my credit report. My name is XXXX XXXX not XXXX XXXX which is a name that constantly keep showing up on my credit reports. I sent in a copy of my utility bill and my social security card showing my correct address which is XXXX XXXX XXXX, XXXX XXXX, Nv XXXX. Been here for quite sometime. I called the credit card companies and all those accounts are XXXX XXXX not XXXX XXXX with a address that do not belong to me that was opened online some time ago. I have disputed and this is my last attempt to remove this accounts for they belong to someone else. The XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Im assuming these accounts are connected to a bankruptcy that showed up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXXXXXXBalance {$22000.00} XXXX XXXXXXXXBalance {$440.00} XXXX XXXXBalance {$1100.00} XXXX XXXX XXXXXXXXXXXXBalance {$2400.00} XXXX XXXXXXXXBalance {$15000.00XXXX XXXX XXXX XXXXXXXXXXXXBalance {$0.00} XXXX XXXX XXXX****Balance {$820.00} XXXXXXXXXXXXBalance {XXXX XXXX-XXXXXXXXBalance {$0.00} XXXX XXXX-XXXXBalance {$15000.00} XXXX XXXX {$22000.00} XXXX XXXX XXXXBalance {$1400.00} XXXXXXXXXXXXBalance {$0.00} TXXXXXXXXBalance {$0.00}  XXXXBalance {$560.00} XXXXXXXXBalance {$750.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) -XXXX****Balance {$1400.00} XXXXXXXX XXXX XXXX****Balance {$910.00} XXXX XXXX XXXXXXXXBalance {$340.00} XXXXXXXX XXXXXXXXBalance {$1700.00} XXXXXXXXBalance {$1200.00}  XXXXXXXXBalance {$930.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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'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 three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report. Please don't ignore my request to correct the following items that were hurting my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX