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

Equifax is reporting incorrectly that I am past due on loans with XXXX - partial account numbers XXXX and XXXX. These accounts reflect a {$0.00} balance and a {$0.00} past due. I have contacted the the bureau and requested these coding errors be corrected. This incorrect reporting is harming my credit score. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXX XXXX & they told me I've never missed a payment, yet Equifax refuses XXXX remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. Please remove the late payment from this account : XXXX XXXX XXXX
Product: Debt collection

My credit report lists multiple accounts I dont believe I authorized. Please block and remove these fraudulent entries without delay.
Product: Credit reporting or other personal consumer reports

XXXX Experian XXXX is breaking the consumer law pertaining to XXXX XXXX Account # XXXX Ive uploaded documents I need this corrected immediately and this is a violation Ive lost thousands of dollars and mentally aggravation if this is resolved I will have no choice to move forward with litigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute inaccurate information on my credit report from Equifax and XXXX. The reports include a debt from a creditor named " XXXX XXXX  '' which I believe is inaccurate for the following reasons : Unverifiable Creditor : I have been unable to contact XXXX XXXX  to verify the debt. There is no contact information listed on my credit report, and my attempts to locate them online have been unsuccessful. 
Suspicious Account Numbers : The account numbers listed for this debt ( redacted in the attached copy ) appear to be nonsensical and do not follow a standard format for account numbers. 
Inconsistent Reporting : The debt is listed as " paid in full '' but also shows a history of late payments dating back to XX/XX/2020. The Fair Credit Reporting Act ( FCRA ) prohibits creditors from reporting late payments on a satisfied debt. 
I have previously disputed this account directly with both Equifax and XXXX, but I have not received a response. This inaccurate information has significantly damaged my credit score, making it difficult for me to obtain loans and other forms of credit. 

Attached : Copies of my credit report from Equifax and XXXX highlighting the disputed information.
Product: Credit reporting or other personal consumer reports

I am writing another dispute letter for the inclusion of XXXX XXXX on my credit file. Under the FCRA, I am entitled to have incomplete, inaccurate, or unverifiable information removed from my credit file. I have previously filed a dispute with Experian Credit Bureau regarding XXXX XXXX on XXXX XXXX. I requested a copy of the Method of Verification Process required by the FCRA Laws. I've never received any documentation from Experian. I called Experian on XX/XX/year> at XXXX XXXX, with XXXX, who is a representative for Experian. She told me that they received all the proper documents to remove the disputed accounts. The rep, said that I will not get a copy of the method of Verification process because that is personal. I told her this is a violation of my consumer rights. XXXX said that Experian has their own guidelines and company rules they go by. Section 611 ( a ) ( 6 ) states that if a consumer notifies a credit reporting agency of a dispute, the agency must provide all relevant information to the furnisher and report the information back to the consumer. Since I haven't received any documents or responses from Experian, by FCRA Laws, all disputed items Shall be removed immediately from my credit file. Allowing an unverifiable debt to remain on my credit file is another violation of my consumer rights. I am not requesting another reinvestigation, I'm requesting the removal of the disputed items and Experian do their due diligence.
Product: Checking or savings account

On XX/XX/18 I went to the US Bank, atm, located inside a grocery store at XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I requested {$780.00}, using my XXXX XXXX XXXX, card, which is an online bank that my paychecks are deposited to. Instead of the requested {$780.00}, only {$400.00} came out of the atm. The printed reciept also showed {$400.00} had been paid out. I thought that maybe the banks atm, had some maximum withdraw per transaction, limit, so I tried my card again for the additional {$380.00}. I got an error message. When, I looked at my statement, on my phone, it showed, that the full amount of {$780.00} had been deducted from my account. So, I brought the paper atm reciept, and the transaction report on my phone, both time and date stamped to the tellers attention. Since, it was their atm that did the XXXX up, I asked that they, correct the issue immeadietly. I was then informed, that the atm reconciliation happens at the end of the week, and that the disputed amount might be found then, but Id have to wait. It was then suggessted, by the bank that is responsible for the error, that I contact my bank and file a dispute. So I did that only to be told the process could take up to 10 days to resolve, and then and only then would my missing cash or a provisional temporary credit would be put into my account. I went back to the branch where the atm is, and said niether instituition is taking responsibility for how I am faring here. I have an overdue car insurance payment, and pending hitel reservations to pay for. Still all I got as a response was cool indifferrence.
Product: Debt collection

I agreed to a debt settlement with XXXX XXXX for an outstanding amount due to AMEX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the AMEX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called XXXX XXXX and was told it was no longer in their files and to call AMEX. I went to call AMEX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called AMEX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.
Product: Credit card or prepaid card

I have been a Discover credit card holder, in good standing, since about 2010. I recently noticed that I have been getting charged a Payment Protection fee every month. For quite a while now they have been sneaking in this almost {$24.00} fee monthly. When i looked into my billing history I realized that the " protection '' fee has been charged onto my account for the past seven years or at least as far back as i am able to search into my billing history. 

My husband got in contact with Discover to dispute this " protection plan '' which I did not sign up for. He explained to them that I never signed up for it and that i wanted to be refunded for the money i have paid them. The agent told him they could only reimburse us with 6 months of charges, which totaled {$140.00}. They did reimburse us but i am not satisfied with this reimbursement. They have taken so much money from me and clearly without my consent. I am up to date with my payments and have been very responsible to pay them. I think even their reimbursement is an admission of their guilt. I appreciate the effort they made, but it does not make up for the years they have been taking my money.
Product: Student loan

Navient is an awful student loan service provider. I have had multiple issues constantly with Navient. I have recently transferred my loans to a different service provider. The new lender made over payments on all my loans. When I log into my Navient account all my account balances show {$0.00}, no payment due. This is very deceptive since I actually have negative balances on all my loans and Im due back a little over {$900.00}. My new student loan service provider told me to contact Navient about the over payments and the request checks be sent to close out the accounts. I called Navient, they wo n't touch the over payments for 45 days ; then I have to call them back to request they send the over payments back to the new lender. Navient wo n't even discuss my government loans which they also manage but that 's a different division and I have to contact someone else about those but no phone number is provided. Moreover, Navient has been calling and sending paperwork to my co-signer on a regular bases to get additional payments ; I 've never made a late payment. Naivent has no business calling a co-signer unless the primary on the account is XXXX and there are outstanding late payments. I have no records of them sending any documentation to my co-signer in my online account where I 'm supposed to manage all correspondence. I have placed limits on how Naivent is to communication with me and they completely disregarding my communication request by sending invoices to my co-signer. My co-signer has been sending payments with specifics on how she wants the money distributed ; Naivent has never followed the written instructions and distributed payments according to their own process. This happened when all of my accounts where current. I have {$650.00} in over payments due to me or my new loan service provider ; I have {$250.00} in over payments on my government loans that Naivent services but wo n't discuss with me. Navient says I have to call back in 45 days and ask for my money. Navient is all over awful and consumers should stay away!
Product: Credit reporting

I was a victim of identity theft and there are several fraudulent inquiries on my credit report that needs to be removed XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/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

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXX. Account # : XXXX XXXXXXXX XXXX  Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXXXXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

date XX/XX/XXXX XXXX XXXX XXXX ROUTE XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CONSUMER ID XXXX TO WOM IT MAY CONCERN According to the Fair credit Reporting Act Section 609 [ a [ 1 ] [ A ] you are required by federal law to verify through the physical verification of the orignal signed consumer contract any and all accounts you post on a chexsystems report Otherwise anyone paying for you reporting services could fax mail or email in a Fraudulent account i demand to see the verifiable proof an orignal consumer contract with my signature on it you have file of the account listed below your failure to positverly verify this account has hurt my ability to obtain banking services under the FCRA UNVERIFIED accounts must be remove and if you are unable to provide me copy of the verifiable proof you must remove the account listed below XXXX XX/XX/XXXX account XXXX
Product: Debt collection

Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.
Product: Mortgage

Try to do a FHA streamline refinance with AmeriSave at a rate of 2.25 everything was good as of XX/XX/2020 but than this company started a delay tactic asking for repeat documents pay stubs and payment proof of mortgage and tax statements for three months change the closing disclosure 4 times and started for XXXX up front and than on day of closing demanded XXXX otherwise there were going to raise the rate up to 2.75 while still holding a up front appraisal fee when no appraisal was done
Product: Student loan

Naviet has a student loan of mine and it was not deferred like the rest of my student loans and I pay when I can. However, that is not the problem they have gone from just calling me on the phone to harassing anyone that has my last name. they are cold calling people that I havent spoken to in years that have my last name. They are also sending me the same bills but in fun colored envelope to ensure I open it, they even went as far as trying to send me a XXXX  card that actually just had the billing it. Its extremely disturbing the levels they are going to. It is very wrong.
Product: Credit reporting or other personal consumer reports

This is a general problem with all three XXXX XXXX XXXX XXXX ( Transunion, XXXX, XXXX ). 

It used to be if you froze your credit report, they'd give you a pin, and you couldn't remove the freeze without the pin. This was a good safety feature in case the credit bureau 's online account is hacked. And it is easily hacked. 

With the XXXX data breach, almost every address I've had for the last XXXX years was exposed, with my XXXX, and my XXXX. This gives the hackers the information they need to answer the typical security questions these credit bureaus ask. 

So even if the credit bureau set up two-factor authenticationand they don't do this well, eithersomeone would just call in and using the XXXX  data breach information to answer the questions someone will ask, and then change the account over to their own email and phone. 

But if the agencies provided pins, the person wouldn't have access to these. XXXX does this, but these XXXX used to but I believe only XXXX of them has a pin and I don't even think it uses it anymore. 

On XXXX, here are folks have to clean up the mess from hacked credit bureau accounts. This is unacceptable. And the only thing I can think is they want flimsy security into scaring you into signing on to their overpriced security offerings. 

This has to be better.
Product: Debt collection

National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score
Product: Credit reporting or other personal consumer reports

I never had an account with this company. This is false information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible XXXX XXXX {$570.00}
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of identity theft stemming from a data breach, and the accounts listed below are fraudulent and unauthorized. 
Fraudulent Accounts : XXXX. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4300.00} XXXX. Creditor Name : XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$7900.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3500.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$4500.00} XXXX. Creditor Name : XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : XXXXXXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : Bankruptcy o Case Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$00.00} XXXX. Creditor Name : Bankruptcy o Case Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$00.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my dispute regarding in accuracy on my report. Despite my submissions, Experian Respond within XXXX hours stating Accounts are accurate without providing any evidence of a thorough investigation. This practice violates the fair credit act XXXX XXXX XXXX XXXX which a reasonable investigation of my dispute. Furthermore, XXXX actions may contravene The consumers financial Protection act. As highlighted in the CFPB recent administrative proceedings ( file no : XXXX ) against them for similar violations. I request Experian compliance with the federal law and provide consumers with the necessary proof of investigation
Product: Mortgage

Complaint against Nationstar Mortgage LLC, in its continued " misconduct '' ... against its illegal attempt to take our home..for its undue enrichment. 

Please find attached. 

Thank you!