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

I sent my last letter on XX/XX/21 about unknown and inaccurate accounts on my credit report. It has been 60 days and I have not received a response yet, and the last time I called I was hung up on. 

I am tired of being taken advantage of and being ignored. 

Section 611 ( a ) says that a failure to investigate these items within 30 days is a reason for deletion. It has been far past 30 days. 

I'm also sure my info was breached in the Equifax data breach and got in the hands of the wrong person, which explains the inquiries. 

Please remove these accounts and inquiries. I barely have any money but I will seek out legal help if I'm forced to.
Product: Credit reporting or other personal consumer reports

I am writing to address the presence of unauthorized transactions in my consumer report, which I did not authorize or instruct. As a result, I formally request the blocking and removal of these accounts without any inaccuracies or misrepresentation of facts. Below, I have listed the specific accounts in question : It appears that your organization may be violating 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from solely containing information about transactions or experiences between the consumer and the entity reporting the information. 

This statute explicitly states that XXXX, as the reporting entity, should not include transactions or experiences associated with the line of credit extended between the consumer and the reporting entity in my consumer report. 

I urge you to promptly update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is damaging to my reputation and adversely affecting my creditworthiness.

Therefore, I demand the removal of these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, along with the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$470.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Debt collection

XXXX XXXX sent a bill ( they continue to charge me after I had already cancelled my account ) to a collection agency and they say they would put the " non-payment '' on my credit report if I didn't pay it. What they use to call 'extortion ', now I guess it's just the way companies treat customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX  I tried to set up an online account to log into EQUIFAX. But, EQUIFAX REJECTED ME ; BECAUSE I DON'T HAVE A MOBILE DEVICE and can not enter a mobile phone # into online setup page of EQUIFAX. I called EQUIFAX foreign based customer service XXXX. Man tried to setup online A/C. But, EQUIFAX online system REFUSED to setup an online EQUIFAX A/C so I could log into my EQUIFAX credit info. Again, EQUIFAX IS DEMANDING A MOBILE DEVICE PHONE #!! 

NO ONE SHOULD BE FORCED TO USE A TINY MOBILE DEVICE TO DO ANYTHING!!! TINY mobile device is difficult to see, hold, use, popups all the time, ads galore, have to scroll all around screen to resize & see something, difficult to connect to a printer, difficult to scan & save info. ; and WHY SHOULD WE HAVE TO PAY FOR NEW PHONE EVERY FEW YEARS AND PAY EXPENSIVE DATA RATES TO MAKE EQUIFAX HAPPY?! 

EQUIFAX IS THE ONLY ONLINE BUSINESS I KNOW OF THAT FORCES PEOPLE TO USE TINY, CUMBERSON, MOBILE DEVICE TO LOG INTO AN A/C! AND, IS NOT A GOOD ALTERNATIVE BECAUSE CALLING TO CUSTOMER SERVICE IS A BIG HASSLE AND I CAN NOT READ THE DETAILS OF WHAT IS IN MY CREDIT REPORT. 

Equifax really wants mobile device phone number to track people, sell to business & provide to governments, share with XXXX et al. EQUIFAX wants to MAKE MONEY OFF a MOBIE DEVICE that I WOULD HAVE TO PAY FOR, ALSO!!!
Product: Checking or savings account

I recently. XXXX XXXX from chapter XXXX. I went to open account. The rep indicated I have a balance. From previous I advised the first rep I had bankruptcy from the day before when she booked the appointment. The next day the rep XXXX. XXXX. U have a balance I explained I filed chapter XXXX. She made a call. And was told to put me in the system to see what it gives me.. knowing if it shows a balance, and its not manually done its gon na reject me opening account and it did. I ask for a XXXX to reconsider the application or make a call, he stated I will get something in the mail. From the beginning I was treated as a broke consumer. That was limited on time. I could only open XXXX account and have to come back because she has another client. Just to have my time wasted. And no accounts was open. Because the treated me as a person that still had a balance. I felt violated and embarrassed being that previously I was a private client to the bank. Before my illness that I felt behind
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

The account is XXXX yrs old & inaccurate, I disputed this with XXXX XXXX XXXX, and they removed the account from my credit report, yet Experian continues to report it, the account is too old to be on my credit # XXXX, I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX letter or rebuttal include in files, the Bank explained that I had late pays or delinquencies, up to XX/XX/XXXX, THESE WERE THE FINAL PAYMENTS AND CLEANUP PAYMENT, AS OF XX/XX/XXXX THE LOAN WAS PAID IN FULL AND SHOULD HAVE BEEN CLOSED OUT,, I spoke to the bank and requested a list of loan payments, they reiterated that when they reach XXXX, as they go line by line of each yr of the loan, when they reach XXXX when the loan was paid off, I will have to wait until XXXX or XX/XX/XXXX to have the reported loan removed from my credit report on Experian, as I said prior, XXXX and XXXX removed this XXXX XXXX XXXX XXXX loan from my credit report after disputing the loan as being too old to be on my report, as the loan was opened as per files included on XX/XX/XXXX, both XXXX and XXXX have removed the XXXX bank XXXX  loan after I disputed it with them, but Experian and the XXXX XXXX Bank refuse to remove this until XXXX yrs from the last late charge in XXXX XX/XX/XXXX, the account was paid in full in XX/XX/XXXX, but it is still being reported into XXXX for no legal reason.
Product: Credit reporting or other personal consumer reports

It seems that there are a lot of inaccurate things on my credit report.
Product: Debt collection

Have a medical bill that 's not mine from  XXXX  collection company for  XXXX . Never went to the hospital tried to call the hospital they wo n't respond. Now I 'm in collections!! I have insurance and the insurance they have is from a previous job that I have n't work ed in 5 yr s.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : Number : XXXX Reason : This account is reporting inaccurate information on my credit report. There is different information reported to XXXX and XXXX. My Experian Credit report list that No Data was reported for XX/XX/XXXX however, my account is listed as 30 days late the following month. How was it verified that the account was 30 days late if the previous month reports No Data reported? My Experian report also reports that this account was charged off in XXXX of XXXX. It was reported to XXXX that I made a payment in XXXX of XXXX. There is also information being reported as 90 days late for two months in a row which is not possible. This information is reported inaccurately and needs to be deleted off my credit report immediately. Once my request is completed, please send an updated copy of my credit report. Also, If late payments were in fact verified This law : I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ). 

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear CFPB Representative, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the CFPB filed a lawsuit against Experian and XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to properly address consumer disputes. 
Re-inserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers effectively about investigation results. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several hard inquiries that appear on my XXXX credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX. XXXXXXXX XXXX  XXXX ( Bank ) XX/XX/year> XXXX. XXXX XXXX ( Bank ) XX/XX/year> XXXX. XXXX XXXX ( Bank ) XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency Can not furnish a account without my written instructions Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX
Product: Checking or savings account

I received an Email on XX/XX/24 that my account with Chime had been opened. In the following days I received multiple emails that a debit card had been mailed and offers to set up direct deposit and credit monitoring. 

I have never requested an account with Chime or enrolled for anything related to this company.
Product: Checking or savings account

I bought a new house in XXXX of XXXX. The servicer of my mortgage loan was/is XXXX XXXX XXXX, XXXX. Beginning with the first mortgage loan payment, I requested that my bank, SunTrust, send the payment directly to XXXX XXXX. According to SunTrust, the first two payments were mailed to XXXX XXXX as paper checks. All subsequent payments have been made electronically. 
In XXXX or XX/XX/XXXX, XXXX XXXX informed me that my loan was delinquent because I had missed the first two payments. This was a shock to me since SunTrust had mailed the payments directly to XXXX XXXX and debited my account accordingly. I contacted XXXX XXXX and, after conducting a thorough review, XXXX XXXX denies ever having received or processed either of the paper checks that SunTrust supposedly mailed to XXXX XXXX. XXXX XXXX has assessed late fees and penalties on my account and considers it to be severely delinquent. In XX/XX/XXXX, XXXX XXXX sent a notice of default and intent to accelerate the loan. 
Meanwhile, I contacted Suntrust and spoke to someone within their " fraud investigations '' unit. According to the fraud investigator with whom I spoke, both checks were cashed at XXXX XXXX Bank. I submitted an Affidavit of Fraud to SunTrust, but was told that I had the wrong affidavit form and that I would need XXXX to sign a Payee 's Affidavit instead. Unfortunately, XXXX XXXX refused to sign the affidavit provided to me by SunTrust because XXXX XXXX never received any check. This was in XX/XX/XXXX. 
Since that time, I have learned that XXXX XXXX is a defunct bank that closed its doors in XXXX. Moreover, I have viewed images of the cancelled checks that SunTrust allegedly mailed to XXXX XXXX, and neither one has any signatures, endorsements or codes/numbers on the back of them. Part of me wonders whether the checks ever even got mailed by SunTrust, or perhaps they were addressed incorrectly and sent back to SunTrust after the bank had already debited my account. 

I have spent many hours on the phone and writing emails top SunTrust only to get nowhere. Neither XXXX XXXX nor SunTrust have any interest in getting to the bottom ofg what happened with my two payments. I'm concerned how this situation is impacting my credit. I have repeatably asked  XXXX not to report negatively to the bureaus to no avail
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX  has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Verification - Request for Method of Verification Account : XXXX XXXX XXXX # XXXX I have attached your dispute results from the prcious dispute that does not include the Method of verification. This is unacceptable and a clear violation I am writing to formally dispute the continued reporting of the above-referenced account on my credit report. I initially filed a dispute regarding this account, and according to the investigation results, the item was verified as belonging to me, with certain information updated. 

However, I have not received the " method of verification '' that I explicitly requested when launching my dispute. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a description of the procedures used to determine the accuracy and completeness of the information, including the business name, address, and telephone number of any furnisher of information contacted in connection with the investigation. 

As per your records, this account was updated on XX/XX/2024 with a balance of {$22000.00} and a pay status of " XXXX XXXX. '' While I dispute the accuracy of this account, I am particularly concerned about the lack of transparency regarding the verification process. 

Please provide me with the following information : A detailed description of the method used to verify the accuracy of this account. 
The name, address, and contact information of the entity that provided the verified information. 
Any documentation that was used to substantiate the verification. 
Given the significance of this matter, I request that this information be provided to me within 15 days, as stipulated by the FCRA. If you can not provide this information, I respectfully request that the disputed account be deleted from my credit report immediately.
Product: Debt collection

I was never contacted about this debt by the Simons agency or original creditor. Found out about debt by checking my credit report. Called Simons agency three months ago and asked for a bill and still have not received one. I owe XXXX that my insurance did not pay but cant verify that without seeing a bill. I should have been contacted by someone before this was put on my credit report. I never had a chance to pay or dispute because I new nothing about it. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing XXXX XXXX XXXX and provide supporting documents to XXXX, XXXX refuses to delete the collection account from my credit report. After filing a complaint against XXXX XXXX XXXX with CFPB, XXXX XXXX XXXX agreed to have the collection account deleted from my XXXX credit report. I have provide XXXX with a copy of XXXX XXXX XXXX deletion letter via XXXX document upload web site. XXXX stated they had received the deletion letter. XXXX stated that XXXX XXXX XXXX normally doesn't include an AUD control number on a deletion letter. XXXX  stated that XXXX needed to provide their XXXX rep with the AUD control number.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I transferred my student loans from Nelnet to XXXX for repayment. After my loans were transferred to XXXX, Nelnet failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted Nelnet three times by phone to have this complete and even filed a dispute with Nelnet to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe double the amount of student loans when I have only one servicer for them, which is XXXX. I should not have an open account with Nelnet as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that Nelnet is failing to accomplish on my behalf. I filed a dispute on XXXX for all my Nelnet accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with Nelnet were transferred. 

I have already sent a complaint through CFPB. Nelnet responded with a letter stating that they have put a " suppression '' on my accounts and that once they evidence from the Education Department that my accounts should be closed, then they will take the corrective actions.