23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please be aware that this is my final notice that I am sending you before I move forward with suing your company due to negligence, defamation of character, and violation of the FCRA. The following account XXXX XXXX XXXX XXXX should be removed from my credit report IMMEDIATELY. I have attached the letter from XXXX XXXX showing that you are reporting the wrong balance on my credit report. You are reporting that there is a balance of {$11000.00} which is completely incorrect. Also, the company is trying to collect a debt which is over the statute of limitations in the state of Texas. The account was to be removed from my credit report in XXXX of XXXX yet it is still reporting. You are also furnishing different information such as the balance and the Date last active. I will attach my credit report to this complaint showing the erroneous errors and the date showing that this debt is uncollectable and the account being over 7 years old. At this time, I am only requesting that this account be removed within 15 days. If this account persists, I will have no choice but to proceed with legal action against your company. Please see the attached docs and remove the aforementioned account from my credit report.
Product: Credit reporting or other personal consumer reports

I do not a have any contract or anything to do with this collection XX/XX/XXXX XX/XX/XXXX on my Equlfax credit report. 
They have not provide me with any info. just reporting knwon medical debet on my credit report. nothing accurate on this collection and iligally harming my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via XXXX XXXX  I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. EXPERIAN, XXXX, XXXX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction. 
I am OPTING OUT of XXXX XXXX XXXX12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian notified me that a dispute was processed on my credit account. 
I did not file a dispute and I can not get to a live person to correct this issue. 
I called 6 different numbers at Experian and the automated answer machine does not understand and all i get is we can not process your request. 
There should be access to a live person for help. I can not get access to anyone who can help. 
I am sure the same information has been sent to the other credit bureaus and I need live contacts. XXXX, XXXX
Product: Credit card or prepaid card

I applied for the indigo card on XX/XX/2021 after reading that there was a {$0.00} annual fee. At the conclusion of the application I noticed that some of the words were covered up but wasnt able to to move the tab. I called immediately to report this and ask about an annual fee. They told me there is an annual fee and I told them I did not know that because the application was misleading and I want to close the account. They informed me that they closed the account. On XX/XX/2021 I received a letter that the account is closed but there is a {$75.00} balance for the annual fee. I feel they are misleading people by obstructing the annual fee during application and then mandating people to pay when they dont want the account. I should not be charged an annual fee because of this issue and misleading application. I did my due diligence to report this immediately and a card was never issued. I want this account closed without a balance because they did not provide me any service and misled me.
Product: Debt collection

XXXX XXXX sent my account to collections. They stopped taking my auto pay and the park never opened for the season due to covid-19. I disputed the amount owed and they agreed to remove a large portion of the balance and to give me credit for the next season as I essentially would be paying for service that was paused due to the pandemic. The corrected amount was sent to the collection agency and reflects when I log in but the collection agency will not allow me to pay the balance in full. I have attempted several times since the adjustment was made and every time it asks me to pay a minimum of {$100.00} on a balance of {$93.00}. Initially I was told by the creditor that it would just take a little while for their system to update to reflect the right amount. It has been a month and it still will not allow me to pay the balance in full. Any and all derogatory information against me should be deleted. I disputed the debt, the amount was corrected, their system then demanded I pay more than the full amount due. This is unfair and deceptive way to collect monies not even due. I am unhappy with how I have been treated by the original creditor and their collection agency. Again zero services have been rendered due to covid 19, I agreed to pay an amount in return for a future credit in 2021, the collection company system is demanding I pay more than the amount it even shows on their system than I owe. I took prompt action when I was notified, disputed the debt and they are trying to ruin my good name and my credit while I am in the process of making a large purchase. The practices of the CACI collection agency are very shady.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account is being reporting multiple inaccuaries and late payments. The account is show monthly payment amount and balances are different all credit bureaus. One is reporting a XXXX balance. The date of the account and date last active being reported is inaccurate across all credit bureaus. 

This account needs all late payments removed due to a ton of inaccuraices and timing payments are not being reported accurately. Regards to section FRCA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report. 

USDOE/XXXX XXXX {$12000.00} XXXX XXXX XXXX {$19000.00} AR XXXX XXXX XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX {$9200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting XX/XX/XXXX to date I have written XXXX letters to XXXXXXXX XXXX and XXXX letters to XXXX, Trans Union and XXXX. Copy of XXXX attached. 

XXXXXXXX XXXX, XXXX, Trans Union, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXXXXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.
Product: Student loan

In XXXX  I applied to the XXXX XXXX XXXX for XXXX XXXX when I signed up I was never given the option for different loans. I was misled as to what I would be paying back. I paid for six years on this loan not realizing that I was paying on just the principle or the interest Im not sure they never informed me that I had other options to re-pay this loan the school closed and I never even got my degree. I have been fighting Navient. Its been on my credit report for over 15 years they will not take it off. I keep fighting I refuse to pay for an education where I was lied to, and didnt complete my education. I need help fighting to have this removed from my credit report. The original loan was XXXX. Its now XXXX I paid and payed and paid and it went from XXXX to XXXX and thats when I found out I wasnt even paying on the loan I was misled by the school, the advisor in the financial company.
Product: Credit reporting or other personal consumer reports

From XXXX this year XXXX I found unauthorized unauthorized user activity from unknown person or people. For one I was informed by Human Resources my information and XXXX Information XXXX XXXX was stolen as to a welfare case in another county it took forever to get my benefits back for two years and no retroactive payments as my son is XXXXXXXX XXXX XXXX XXXX. Then auto accounts came a loan addressed yo ny email and confirmed it on the XXXX website and saw all these accounts being open since XXXX til XXXX. Since all these accounts although negative have not been removed, I was denied mortgage loan through the veteran Program not. An I apply for any credit card. I have suspicion my sister has been involved because she would have such information from report the changing of my nine and mispelled addresses her name is XXXX XXXX XXXX XXXX XXXX  and has a child XXXX XXXX ex husband XXXX XXXX from Florida she could be using that name as for auto loans and home loans she drives and always buys q House I dont even have a driver license or house, the only one I applied for is through military. Please lI need help bc she is very savvy i lost my mom in XXXX and I came across falsified documents taking me off as beneficiary
Product: Debt collection

They have been calling me and 6 of my family members multiple times a day threatening me and harassing me from XX/XX/2023 to the present day XX/XX/2023. 

XXXX XXXX 43 years of age XXXX XXXX contacting your regards to a claim that is in the process of being founded XXXX XXXX. XXXX XXXX had to make you aware that wants to claim number and is in XXXX. XXXX is XXXX XXXX. It does become a matter of public record in the world becoming order for the location since I haven't been able to reach you by phone up and instructed in contact the employer to speak directly to the supervisor. It does appear that it will be the likely place of location XXXX. You have the legal right to contact that office is felony claim to update that information telephone number that is provided is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX that claim number is in XXXX XXXX is considered to be illegal notification by telephone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have some accounts that arent mine and I have attached my dispute letter along with my ID and social security card along with a copy of my FTC. I been trying to get this company to get this taken care of but every time I call i gets routed overseas and no one can access my file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/20XXXX XXXX XXXX XX/XX/2024 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVED! 
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 XXXX 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'm in disagreement with the accountant listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and address of the business of the individuals you verified this information with. With an updated copy of my credit report after the investigation.
Product: Mortgage

I started my mortgage with Greentree Mortgage Company, but they sold some of their accounts to Ditech in 2017. Once they sold the account I decided to pay off the remainder, however, ditech was giving us a hard time and would not let us pay it off. We called them every day for 3 months and they finally let me pay it off. Every time I spoke with Ditech I asked if we were going to have any late charges and they always assured us that we would not, but they did put us as 2 delinquent payments. these payments should not be shown as delinquent considering Ditech was refusing to take our payment.
Product: Credit reporting or other personal consumer reports

hey i just noticed a unauthorized inquiry 's on my Transunion credit report. Under FCRA ( fair credit reporting act ) this must be removed immediately the inquiry 's that need to be removed immediately are : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion FTC REPORT NUMBER XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Experian for Failing to Correct Inaccurate Late Payment Reporting on Account # XXXX Dear CFPB, I am filing this complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account identified as # XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information contained in consumer files. Despite providing clear evidence of inaccuracies in my payment history, Experian has failed to fulfill this legal obligation. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this requirement. 
TILA Violations : Under the Truth in Lending Act, creditors are required to provide accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and financial standing. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. The failure to ensure accurate reporting violates this protection and continues to damage my ability to access credit fairly. 
Evidence of Error : Experian Account Number : XXXX High Balance : {$420.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} Account Status : Open Payment Status : Current Payment Amount : {$35.00} Last Payment : XX/XX/XXXX Credit Limit : {$3500.00} Two-Year Payment History : 30-day late payment noted in XX/XX/XXXX. 
Impact : The discrepancies in late payment reporting across the credit bureaus have directly harmed my creditworthiness and financial reputation. The inconsistent reporting of 30-day late payments violates my federally protected consumer rights. 
Desired Resolution : Immediate removal of the inaccurate late payment notation from my credit report. 
Written confirmation from Experian confirming the correction. 
Failure to resolve this issue promptly will result in further escalation, including legal action and filing additional complaints with relevant regulatory agencies. 
I trust that the CFPB will assist in ensuring compliance with federal laws and protecting my consumer rights. Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY BEEN DISPUTING FRAUDULENT LOAN ACCOUNTS THAT ARE MY EQUIFAX CREDIT REPORT AND THESE UNAUTHORIZED LOANS ARE STOPPING ME FROM BUYING A HOUSE FOR MY FAMILY ALONG WITH CAUSING MAJOR DISTRAUGHT I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE FILED MY FTC REPORT ALONG WITH MY POLICE AND I HAVE SENT ALL OF THESE DOCUMENTS AND THEY ARE ALL DOCUMENTED AND ON FILE AND THESE FRAUDULENT ACCOUNTS ARE STILL COMING BACK VERIFIED AND I DONT UNDERSTAND WHY ACCORDING TO THE FAIR CREDIT REPORTING ACT THESE ILLEGAL FRAUDULENT UNAUTHORIZED ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY FOR I HAVE TAKEN LEGAL ACTION WITH MY ATTORNEY TO ASSIST IN MAKING SURE THAT EQUIFAX FOLLOWS THE GUIDELINES OF THE FAIR CREDIT REPORTING ACT THE FOLLOWING ACCOUNTS NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX  XXXX 4. XXXX XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply to any of these companies for credit, and I would like the credit bureau ( Experian ) to have the inquires removed from my credit report. 

1.XXXX XXXX XXXXl : Inquiry date, XXXX XXXX contact info XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX : XXXX date, XX/XX/2021 contact info XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX XXXX. XXXX : Inquiry date : XXXX XXXX, 2021 contact Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX. XXXX Equip XXXX : Inquiry date : XXXX XXXX, 2021 contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX : Inquiry date, XX/XX/2021 contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ( XXXX ) XXXX
Product: Student loan

My husband and I are cosigners for my son for his first student loan taken out in 1999. He changes jobs every 3-4 years and gets behind on the payments. My husband and I are on XXXX XXXX XXXX. XXXX XXXX/Navient has been servicing this loan since it went into repayment. When he gets behind, like he is at this time, 2 months, Navient calls us incessantly. We receive calls 6-8 times a day, 7 days a week. Once a day, they might leave a voicemail. It instructs us to call a XXXX number to talk to an agent. Whenever we actually answer the phone, we get the same recording, no human. After a week or so, they change/spoof another number that shows up on our caller id. It 's my understanding that they are not to call just to harrass. These calls are being done to harrass because 1. there is no human to talk to as required, if we answer the phone. We must call them to another number to talk to a human. 2. Since their computer system recognizes the voicemail system and leaves a message, then the first call of the day should leave the message and no other calls should be made. It is plain and simple that the computer is programmed to call repeatedly simply to harrass since you ca n't discuss the loan issue with anyone unless you call them. 3. the calls are also obviously programmed to harrass as we will get a call and as soon as the voicemail answers, their computer hangs up and re-dials immediately. They often register as being made within the same minute. I can print out a copy of the phone logs for the past month from my XXXX XXXX account to substantiate this harrassment claim.
Product: Credit reporting

Under the Equifax Complete Premier Plan " Understanding Your Score '' they are reporting that the oldest credit card I have is 8 months old and this is impacting my score in the most negative way. My XXXX XXXX credit card was opened XX/XX/XXXX - my XXXX Card was opened XX/XX/XXXX and I had several credit cards that were much older. They are using incorrect information in their equation when figuring my score. Every time I try and get corrected they do nothing but lower my score like they are retaliating against me for trying to correct.