23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 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 an 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 seven 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

I have contacted these two companies several times in regards to validating information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, You are in Direct Violation of the Fair Credit Reporting Act has violated several of my rights. 
Please see following accounts below. 
Indigo-XXXX XXXX XXXXXXXX I have requested an application after I was advised from the customer service agents at the above companies that the application has incorrect information on this. I was advised that pay stubs were provided and I do not work for XXXX XXXX ( I havent work for them since XXXX ). 

US 15 USC 1681 Section 602 A. Clearly states that I have the right to privacy US 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without written instructions.

US 15 USC 1666B : A creditor may no treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. 

Please remove these late payments and account and update my credit report as you are in violation od several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Product: Student loan

I have spent 3 years getting XXXX excuse after another as to why my forgiveness has not been granted. I was told paper work had a problem, it takes a while to process, keep asking for deferment, it is forgiven but takes a few weeks to show. Now they have XXXX other social security numbers attached to my name and said I was denied in XXXX which was news to me. If they do n't know who I am why can they talk to me and if my loan was denied why am I getting to defer my payments still. I learned this XXXX XXXX XXXX. I am afraid if I reapply this will start all over and they will drag it on again saying it is a new application
Product: Credit reporting, credit repair services, or other personal consumer reports

report of a paid civil judgment on my report that has wrong information filed XXXX XXXX 2016
Product: Debt collection

GET OFF THE  XXXX  ACCOUNT THIS DEBT IS ASSUMED. CEASE COLLECTIONS AND GET OFF CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to XXXX on XX/XX/XXXX  and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledae of errors. According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2 it states this. ( 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. According to 15 USC 1681s-2 it states this. ( 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. ( 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. This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a thorough research of my credit reports due to me being a victim of trafficking and they did and stated that everything was accurate and said that they don't believe I sent the letter in myself and then I did a thorough research myself and I found inaccuracies on my report even after they did their research. 

In accordance with the Fair Credit Reporting Act 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 has violated my rights.

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

605C of the Fair Credit Reporting Act.

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
Product: Student loan

On XX/XX/23, I received an email from Mohela saying that they processed a forebearance that I did not request. I called to have it removed and they said the issue was fixed. I received another email about a forebearance being processed on XX/XX/23 that I missed somehow. I have been waiting for an email from Mohela about billing for this month since I knew payments were restarting, and I am on auto-pay. There is nothing in my account to indicate I am even in forebearance, as I logged into my account in XXXX to make sure my bill would auto-pay! So, not having seen a bill, I searched my email history to see if I just missed the bill notice and saw the email from XXXX about yet another forebearance I did not request.
Product: Credit reporting or other personal consumer reports

I received an email not a letter by mail from Experian which shouldve been sent to me by mail for my personnel records. Experian states and I Quote Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we were unable to honor your request or a portion of it based on the limited amount of information regarding your dispute. Theres no limited information on my credit report. This dispute is clearly self explanatory on my credit report. Experian didnt investigate nor bother to resolve these unauthorized inquiries. Experian is in violation of 15 U.S. Code 1681 n 15 U.S. Code 1681o. I am writing to dispute certain information contained in my credit report as provided by Experian. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 604 ( a ) ( 3 ) and relevant sections including 15 U.S. Code 1681o and 15 U.S. Code 1681n, I am requesting an reinvestigation into the accuracy of the following items : XXXX XXXX  Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX According to FCRA Section 611 ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into the disputed items upon receipt of a consumer dispute. This investigation must include reviewing all relevant information provided by the consumer and communicating with the data furnisher ( s ) responsible for reporting the disputed information.

Furthermore, FCRA Section 611 ( a ) ( 5 ) ( A ) ( i ) mandates that if the results of your investigation determine that the information is inaccurate, incomplete, or can not be verified, you must promptly delete that information from my credit file. Additionally, you are obligated to provide me with a free copy of my credit report reflecting the changes made as a result of the investigation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed discrepancies regarding incorrect names listed, specifically : -- -- -- -- -- -- -- -- -- -- Experian -- -- -- -- -- -- -- Name : XXXX XXXX. 
-- -- -- -- -- -- -- -- Equifax -- -- -- -- -- - Name : XXXX XXXX XXXX -- -- -- -- -- - These negative entries are affecting my credit score and my ability to manage my finances appropriately. I believe these errors are a result of the Equifax Data Breach that occurred in 2005. As you may know, this breach exposed sensitive information, and it is likely that these incorrect names were linked to my account during this incident. 

Impact : The inaccurate information is unfairly harming my credit report and impacting my financial standing. I have not used these names, nor have they been associated with me in any way outside of this breach. The negative consequences on my credit report are significant, causing undue stress and preventing me from pursuing important financial opportunities.
Product: Credit reporting

Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.
Product: Credit card or prepaid card

2nd Complaint on this same topic : Since 2011 I have held a Citi Bank Diamond Preferred Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX, XXXX. Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the following items inaccurately. Can someone please look into this. Thank You XXXX XXXX XXXX XXXX  XXXX XXXX not mine XXXX XXXX XXXXXXXX not mine XXXX XXXX XXXX never late XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX unauthorized
Product: Debt collection

XXXX XXXX is continuously reporting a false, unverified collection account. I have sent written communication and ask for proper proof of this collection. They have not provided it. I have stated my rights in regards to the XXXX and this account has yet to be resolved. This is a violation. I have request physical verification of the original signed consumer contract. It has not been provided and I want this account deleted from all bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America, tried to raise my interest rate to 30 % and denied me the ability to carry out any 0 % balance transfers, cash advances - only the purchase option was made available to me. - I had to close my account due to the unfair and deceptive practices after being a customer since XXXX. I have been a Bank of America member since XX/XX/XXXX. On XX/XX/XXXX, my {$50000.00} limit was reduced the credit limit to {$39000.00} and my other BofA credit card with a {$1000.00} limit that was opened XX/XX/XXXX, was also closed on XX/XX/XXXX this action impacted my credit utilization and credit profile with a thirteen year relationship. Bank of America has been carrying out predatory lending practices. My minimumpayment was {$200.00} and I was paying this at 0 % APR - paying off my balance. Bank of America turned around and hurt me when I closed my account, changing my minimum payment to {$1200.00} at a 26 % interest rate - making it impossible for me to pay back the balance. Bank of American retaliated after I filed a CFPB report about their unfair and deceptive practices. Bank of American also contacted XXXX. XXXX told me over a recorded call that they lowered my credit limit by 50 % after Bank of American told them I had a late payment with them. The action messed with my credit utilization - negatively impacting my credit score. XXXX should not make decisions based on inaccurate, information that Bank of America has provided them about matters between myself and Bank of America which has nothing do with my XXXX accounts. XXXX needs to put my credit limit back to its original limit as I have never made a late payment with XXXX. Bank of America reported to XXXX that I am late by {$590.00} and that is incorrect. I did not agree to a {$1200.00} a month payment. I paid my {$200.00} a month as agreed. I also told the FTC about predatory lending from heartless Bank of America.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies, including incorrect personal information and the misreporting of late payments on my accounts. For instance, I found that accounts like XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and others were inaccurately showing late payments. These should be updated to reflect " paid as agreed '' or " never late, '' in accordance with FCRA Section 1681i, which requires that disputed information be thoroughly investigated and corrected if necessary. 

Additionally, I found discrepancies with accounts like XXXX XXXX, XXXX XXXX, XXXX, and XXXX Bank, which should be deleted from my credit report, as they are not being reported accurately. Under FCRA Section 1681s-2, furnishers are obligated to provide correct information, and Ive requested that these accounts be removed immediately.

Ive attempted to resolve these issues by working with both the credit reporting agency and the creditors, but Ive been unsuccessful. Therefore, Im formally requesting that these discrepancies be corrected or deleted as required. If these issues arent resolved within 30 days as per FCRA Section 611 ( a ) ( 1 ) ( A ), I will be forced to take legal action, seeking {$1000.00} per violation for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

Ive kept careful records of my efforts and do not consent to automated verification methods like e-Oscar. If this matter is not addressed promptly, I am prepared to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

LATE PAYMENTS SHOWING XXXX DAYS LATE ON MY CREDIT REPORTS FROM XXXX DURING THE PANDEMIC. I CALLED XXXX XXXX XXXX  AND MADE THEM AWARE OF FINANCIAL HARDSHIP DURING THIS TIME DUE TO LOSS OF EMPLOYMENT. I WAS TOLD THAT DUE TO CARES ACT THAT THE PAYMENTS WOULD NOT BE SHOWN AS LATE. THESE ACCOUNTS HAVE ALL BEEN PAID AND THE MORTGAGE WAS SOLD/TRANSFERRED TO XXXX XXXX  SERVICES XX/XX/2021 AND HAS SINCE BEEN SOLD AND THE ACCOUNT CLOSED. PAID IN FULL. I HAVE DISPUTED WITH THE CREDIT BUREAUS AND NO CHANGE HAS BEEN MADE AND IS STOPPING ME FROM OBTAINING A NEW MORTGAGE LOAN. PLEASE CORRECT THE INNACURATE INFORMATION TO THE XXXX CREDIT BUREAUS BY REMOVING THE LATE PAYMENTS AND UPDATING TO PAID ON TIME.
Product: Credit card or prepaid card

My account was as opened on XX/XX/2019 with commodity-Bank / XXXX card MasterCard awards with a {$5000.00} credit limit I paid my first statement and four went to make another payment statement they close my card for too many inquiries as Ive never been late I think they are doing illegal and unfair business practices and they should definitely be investigated Im not the only person who has had this issue with this bank. Actually ruin peoples credit by what their business practices are doing with what theyve done they dropped my credit 100 points and I think it should be reversed
Product: Credit reporting or other personal consumer reports

Someone open several accounts that I have no knowledges ofAlthough i sent in my ID with my correct birthday and birth certificate letting them know it wasnt me they still wouldnt remove any of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to XXXX XXXX, and Transunion in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my XXXX XXXX being low with all these wrong information.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The late payments being reported on this account are inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. [ XXXX XXXX XXXX XXXX ] I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history on my credit profile to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws.
Product: Debt collection

Convergent Outsourcing Inc . 
Illegal collection Activity through US Mail Repeated collections letters Debt is over 18 years old.