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

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX CXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXK Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX PAVILION PT XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX TOWN XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX BRIAR XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitting this complaint to highlight significant discrepancies, mismanagement, and potential violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX account. This complaint pertains specifically to XXXX handling of the account reporting status, including inconsistent and misleading information provided to the credit bureaus, despite XXXX own statements about the accounts status. 

XXXX. XXXX Acknowledgment of Written-Off Status On XX/XX/XXXX, XXXX, an Executive Relations representative from XXXX, confirmed via email that this account was " written off '' on XX/XX/XXXX, and transferred to Convergent. However, XXXX actions do not align with this statement. Verified information from the collection agencies shows different assignment dates that contradict XXXX 's account. Specifically : XXXX. Ongoing Reassignments to Collection Agencies Post-Write-Off Despite being written off, XXXX has continually reassigned this account to multiple collection agencies without selling the debt. This series of assignments without an official sale indicates that XXXX retains ownership of the debt and is solely responsible for the reporting. Here are the assignment details for reference : XXXX XXXX XXXX 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 Present The ongoing transfer of the account to different agencies after it was written off raises questions about XXXX reporting practices and compliance with industry standards. Once an account is written off, it is customary to cease reassignments or clearly document the sale of the debt. These reassignments indicate a lack of accountability and transparency. 

3. Reporting Discrepancies Across Credit Bureaus Each credit bureau displays this account differently, further adding to the confusion. 

XXXX categorizes it as a Collection account with no indication of charge-off status.

TransUnion lists it as both Open and Collection with an active balance, even though the account has been closed. 

XXXX also lists it as a collection account, not reflecting the supposed written-off status. 


The lack of consistency across these reports is not only misleading but likely violates FCRA standards for accurate reporting. By failing to update the status to " charge-off '' as XXXX from XXXX XXXX stated, XXXX appears to be inaccurately representing the account status to the credit bureaus. 

XXXX. Non-Compliance with FCRAs Requirements for Accurate and Consistent Reporting Under the FCRA, consumer information reported to the credit bureaus must be accurate and complete. XXXX current handling of my account reporting does not meet these standards, given the contradictions between its internal communications and the credit bureau reports. This lack of transparency and proper updating misleads potential creditors about the true status of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lost XXXX points within in month time. I just open another account that I had in good standard and I started losing points from there. All my accounts are in great standard! XXXXm not getting the credit I deserve. My Credit score wont go up when it should! My accounts are not reporting balance decreasing, but are reporting great standard and Im not getting any credit! All credit cards are at only 35 % use and decreasing! Im not getting the credit I deserve! Theres no way my credit score still should be at the borderline XXXX. This is fair, they want to keep at the XXXX range! Investigates my accounts, I should be close to the XXXX range, they come up with something to keep my score down!
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I looked at my credit report to make sure that my payment history was exceptional and I noticed a lot of hard inquiries from all 3 bureaus on my report that I didnt authorize. So I called Equifax and to no avail I didnt get any help. 

How can I be assisted with this issue and I just want this to be deleted off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$1200.00} balance and it is also reporting a credit limit {$1600.00} and a past due 1,206.00 ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be ... they are reporting a new charge off every single month
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report with Transunion Reporting agency and discovered an inquiry from XXXX ( Bank ) that was done on XX/XX/2023. I have never applied for any credit or services from this Bank / Company. I called them directly and ask what this inquiry was for and was told they do not have any record of me making application to this company. I asked that this inquiry be removed from my Transunion credit history and any other agencies that they use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery has continued to report an account on my credit file without verifying with me if the account is mine. This reporting has caused me tremendous stress and resulted in denials of credit. I demand to see a contract that I have signed with Portfolio that proves I have a legal obligation to pay them anything. I also want to see proof of their agreement with XXXX XXXX that gave them authority to obtain my personal contact information and allege I owe a debt to them. I have never done business with Portfolio Recovery and according to federal law, they were to notify me that they were placing this negative information on my credit report 10 days before doing so, and they did not. They also can not provide proof that they have. This company has called and harrassed me constantly. I never gave Portfolio Recovery permission to report to provide any credit reporting agency ANY information about me, especially any negative information. In addition to reporting the negative info, they are reporting different info to each agency. No dispute was EVER resolved with me contrary to this lie Portfolio has communicated. There has been NO activity on this alleged account so how are there any recent reporting dates on it? I am in position to pursue Portfolio legally if they do not remove this from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am trying to dispute these inquiries on my report for a while now and I haven't been able to get them removed. It also shows I have a bankruptcy dismissed and that is not correct. It has been XXXX about 2 years ago. I need to have these removed according to the Fair Credit Reporting Act, which is unverified and unauthorized. 

The following companies are the ones that I would like removed : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  The dispute above is for the inquiries and the XXXX below is for the bankruptcy. 

XX/XX/XXXX XXXX US BANKRUPTCY COURT-XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have no record of applying for any credit or services with your company, yet I see multiple inquiries from you on my credit report.
Product: Credit reporting or other personal consumer reports

In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2018 XXXX XXXX XXXX reported to the 3 credit bureaus XXXX  Experian and Equifax that my payment was late when it was their automated system that was not functioning properly and received my account number incorrectly. I have made multiple requests to resolve this matter but XXXX- XXXX XXXX  does not have a direct number to speak to a live agent. They are systematically ruining my credit history and I am pleading for help.
Product: Credit card or prepaid card

I had a Fidelity Rewards credit card issued by U.S. Bancorp that was converted to XXXX XXXX XXXX in the summer of 2016. The advertised rewards from XXXX is that you receive double points for all qualifying purchases and 2 % rebate if the rebate is deposited into a Fidelity account. 

I have been diligently redeeming my rewards over the past year only to realize that I had only been given 1 % instead of the 2 % as advertised. I never received any information that upon my account converting from Bancorp to XXXX, I was supposed to call to change my rewards level. This was not clear and a very deceptive process for all customers. 

All along I was using my card to receive the 2 % and I was only given 1 %. This needs to be better communicated and any accounts converted should have received information regarding the steps to take to ensure they were participating in the right rewards program.
Product: Credit card

AS YOU CAN SEE THIS COMPANY ISN'T REPORTING XXXX, ALSO REPORT DATES, OPENED DATE AND PAYMENT DATE INCORRECT. 

Account # : Account Type : Account Type Detail : XXXX Revolving XXXX Revolving Charge account Charge account Bureau Code : Individual Individual Open {$0.00} XX/XX/XXXX {$0.00} Account Status : Monthly Payment : Date Opened : Balance : Open {$0.00} XX/XX/XXXX {$0.00} No. of Months ( terms ) : High Credit : Credit Limit : {$24.00} {$750.00} {$0.00} {$0.00} {$750.00} {$0.00} Past Due : Current XX/XX/XXXX Charge Amount in H/C column is credit limit XX/XX/XXXX XX/XX/XXXX Payment Status : Last Reported : Current XX/XX/XXXX Comments : Date Last Active : Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I was reviewing my credit report after receiving notice that my scores went down in XXXX of XXXX. I saw that a Jefferson Capital Systems debt had been added to my credit report. I disputed the debt with all 3 credit bureaus. They all came back and said it meets the FCR reporting act. I asked for original contract and verification of the debt which I have never received. They are trying to collect on a debt from XXXX is what it says. The date of last payment on the account was in XXXX. I called XXXX to verify that was the case and it had fallen off my credit report. Jefferson Capital Systems renewed the debt to appear that became delinquent in XXXX of XXXX which is a misrepresentation and is illegal to do. You are not allowed to not verify a debt or send original contract and just make up dates to impact my credit. It is past the time for reporting and it needs to be removed before I take a more legal approach. I have never done business with this company and they are scamming to try and get a debt paid that is past the statute of limitations and they can not prove or verify the debt.
Product: Credit reporting or other personal consumer reports

I was having financial hardships trying to pay my loan, I applied for forebearance. I was approved, yet they still listed on my credit report as a late payment. They refuse to remove inaccurate innformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

, Metro 2 Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1. I am requesting you remove this item immediately. The XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. If not removed immediately, I will pursue all legal remedies at my disposal Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to an0ther entity ( Debt Buyer ) -Accounts reported in error-Incorrect Account Number, Account number not consistent with other agency reporting. Account Numbers differ on XXXX and XXXX Reports
Product: Credit card or prepaid card

On XX/XX/2020 I I attempted to make a payment arrangement with XXXX XXXX  XXXX XXXX / Comeity Bank. This was on the internet as well as over the phone. I asked the company to close my account and set up payment arrangements due to high fees and the companies removal of available credit resulting in the account appearing over the limit or maxed out. The company refused. The total due on the account currently is {$1200.00} and much of the balance is due to fees brought about by the removal of available credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless.
Product: Student loan

To Whom it may concern, I have a student loan under Navient, and these last few years, the payments are extremely high, I am not working at the moment and not able to afford the UNPAID interest. I am very concerned with this, because my loan started at XXXX and now is up to XXXX- plus. My loan is in Forbearance, a long time now, and I cant afford to pay this crazy amount. I think its very unfair, please someone look into this matter, before my credit is DESTROYED!!!! I contacted Navient to discuss this matter, and no help was offered, they just want MONEY!!!!! they do n't care about anything else.
Product: Student loan

I am unable to pay this loan because Navient/Salliemae is expecting me to pay over {$900.00} a month. They also stated that I used up all my Forbearance. I've been in contact with them since XX/XX/XXXX and although knowing about me and my co-signers financial/medical circumstances they keep saying that they have no programs to help make my payments flexible. 

I spoke to a supervisor on the phone and they told me to just pay what I can on the website. So I was able to pay {$50.00} on XX/XX/XXXX. However, Navient continues to use random numbers to call me expecting payments when they know that I am unable to pay over {$900.00} a month. They also have information showing that I did pay something in XX/XX/XXXX, however, they still threaten to send my account to collections. 

Here are the numbers they keep calling me with : XXXX TX, XXXX XXXX IN, XXXX When they call I know it's them because it's the only number that doesn't leave voice messages. They call me at least twice a day. When I answer and give them the same reason why I am unable to pay they push the calls out for another seven days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Mortgage

We submitted a request in XXXX along with a payment to add a small amount of acreage to our mortgage. We were told that an analyst would be assigned to our case, but that did not occur until XX/XX/XXXX. We were also told that once an analyst was assigned, the request would be completed promptly. We are still unable to get a time frame for completing this request. The longer this takes, the more legal and administrative bills we are accruing.
Product: Debt collection

I received frantic phone calls from my secretary today, stating she received a call from XXXX XXXX, and that I had 2 hours to call him, or they would send out the police, that I was being sued for not paying my bills, she said I was urgent that I called within 2 hours. I called XXXX, was put on hold, then asked if he could help me, I told him I was returning his urgent call, gave him a case number XXXX, I asked him what this was regarding, he repeadely said, well, you called me? I told him Again I was returning his call, and repeated what was told to me, he said that I was being sued, that he did n't call me, that must have been the constable trying to serve me? I told him AGAIN, I called him back due to his call, he kept on saying that he did n't call me that it was the constable trying to find me??? we went through this for about 5 minutes, he told me that he would have me re served today within 2 hours! I told him I am standing by! my husband called him about 30 minutes later and asked what this was about, XXXX told him he could not speak to him without my permission, which I gave, my husband asked him for his name and address XXXX told him " listen dude, this is not no XXXX XXXX..my husband told him that we will get to the bottom of this and XXXX hung up on him.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit caro count under an open end consumer credit plan as late for any XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX is furnishing illegal late payments XXXX XXXX XX/XX/23 & XX/XX/23 from XXXX XXXX XXXX  account XXXX. 

Late payments are excluded from Consumer Files on open end Consumer accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.
Product: Credit reporting or other personal consumer reports

Equifax is reporting income to consumer 's report. The IRS has accepted this as reported income and XXXX cancellation of debt by XXXX XXXX account number XXXX was received on XXXX XXXX. Equifax is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. 
XXXX XXXX XXXX XXXX # last XXXX digits # XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Credit card or prepaid card

Credit card applications were made using my name and social security number as well as the address. A total of 3 credit cards were opened ( 1 ) Sprit Airlines on XXXX XX/XX/2022 ( 2 ) XXXX XXXX on XXXX XXXX ( 3 ) XXXX XXXX on XXXX XX/XX/2022. All of these cards were issued through Bank Of America. 

On XXXX XX/XX/2022, I contacted Bank of America 's fraud department and reported these fraudulent activities and these cards have been closed. 

By reporting that our identify have been stolen, we want ensure that no further fraudulent activities take place using our personal information. 

Thank you for taking immediate actions.