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

I filed a dispute online for my Experian Credit Report because I found, inaccurate information in the following areas : Name, Addresses, Phone Numbers AND Double Reporting information. 

I have 3 accounts that were reported Double but in separate categories on my Credit Report therefore this causes a double negative effect on my Credit Score. 

The accounts are as follows : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 

Each of these accounts were reported 2 times in 2 separate categories on my Experian Credit Report and possibly XXXX  and XXXX  in the categories, Open Accounts and Collections Accounts. And I know this wasnt done by mistake. They did it on purpose. They are malicious. 

As for the Addresses, Names AND Phone Numbers, the Credit Agencies resound by using automated, generic responses. I get absolutely nowhere with them. They claim thats what the Creditor reported and act as if they dont need to do anything about it. This is in direct violation of the Fair Credit Reporting Act. It doesnt matter if the information was reported by a Creditor. That doesnt make it true. What matters is that the information on my Credit Report is, inaccurate, incomplete and unverifiable, but most specifically INACCURATE. 

For example, Ive never lived in New York. Yet theres a New York address on my Credit Report. Another example, my LEGAL NAME is, XXXX XXXX XXXX NOT XXXX XXXX. The information is INACCURATE and thats a FACT. I have the PROOF to be able to verify that thats not my name. Therefore both the Reporting Agencies and Credit Bureaus are reporting INACCURATE information. Simple. Black and white. 

But why is it XXXX near impossible to get anywhere with these people?! It seems like its their way or the highway regardless of the laws to protect consumers and citizens. So if thats what this really is, then this needs to be known and the Political and Economic Structure need to be changed to accurately portray whats really going on.

My requests are simple, black and white and WITHIN THE LAWS. There should be nothing else to it. So whats the problem?!?! Ill tell you what the problem is. This corrupt, scandalous, trifling, pathetic, disgusting government and system. The idea is ideal but the wrong people got a hold of the Device and are using it for their hidden agenda. Its just a false facade of freedom. If I could leave I would. I would of left a long time ago. But my Brain and Body are hostages being held against their will. And Im not a XXXX and I dont need your pity. And dont even try to use the XXXX card. I hate when you people do that and you know it. You wont get away with this. Justice will triumph. Real justice. Im SANE. And thats a FACT also.
Product: Credit reporting or other personal consumer reports

It has been a nightmare since purchasing a vehicle from XXXX. This company has purposely denied repair claims and cost missed time from work. I made a payment on their app which took three payments out and caused trouble for me with my bank. I have sent several emails and made several phone calls but the bank threatened to repossession my car XXXX to thier error. No one notified me of an echeck in my email after the 32 calls that I made to XXXX. Then they reported late payments to the credit bureaus even though it was their error. Due to all of the trouble i have had with this company and getting my car repaired and credit reporting I have lost out on work and an apartment. I would like payment for lost work and for hours spent on the phone and emailing this company. If this is not resolved I would like to return the vehicle without cost or negative effect on my credit. Ive attached proof and letter from thier trusted mechanics
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 XXXX 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 Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem and issue getting my free annual credit report from XXXX XXXX, Equifax and XXXX, I am entitled to under the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple times Ive sent letters asking a negative account thats been paid off to be removed from reporting and there has not been a response. In addition to sending letters Ive called and have been promised call backs and nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting the following Bureau Name ENHANCED RECOVERY COMPAN Original Lender XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 10 Months Credit Limit Not Reported Highest Balance {$220.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Remarks Account information disputed by consumer, meets FCRA requirements. 

This account has been closed since well over 7 years ago and amount was disputed back then as XXXX charged a " cancellation fee '' that was not valid. This collection agency obviously bought this and is now trying to collect. Age of account is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX ) I was given a years free credit monitoring service by Experian from XXXX XXXX XXXX because the lost my personal information to hackers. 

But because I already have a paid monitoring service with Experian, they won't change my PAID and MUCH LESS SERVICE than the FREE MORE SERVICE PLAN paid by XXXX XXXX XXXX. 

I've been given a run around that I can 100 % PROVE WITH CLEAR EVIDENCE, sent to more that XXXX different phone numbers with collectively hours on hold with ZERO RESOLUTION/HELP. 

XXXX ) I contacted Experian threw XXXX. Was given the same run around till I tag them in a post. Then they responded with a link sending me to a site giving them 100 % full control of my XXXX account. XXXX!! 
I HAVE 100 % UNDENIABLE PROOF OF THIS TOO!! 

The thing that gets be, the audacity the blatant audacity of disingenuous, the uncaring laughable attitude they present. 
If the CEO was with me in every step of every conversation I had I just am in awe of how many people would have lost their jobs!! 
I went threw the same XXXX and disrespect or care when dealing with their broken XXXX  b.s. 
Simply a train run off it's tracks. 
Please please please help help these crooks straighten out.
Product: Credit card or prepaid card

There is XXXX transactions from XX/XX/22 pending on my credit card. XXXX for {$25.00} and XXXX XXXX for {$14.00} and {$7.00}. I contacted Apple about this and spent more than XXXX hours chatting with them ( I have a case XXXX ). And I also had a call with a XXXX that called at XXXX pm on XX/XX/22. Their end shows these transactions were cleared and I received my daily cash. She told me to chat back in saying I did not receive my apple cash because there was nothing else she could do for me. I did not receive my daily cash. I chatted back in and they said it says posted on their in and there is nothing they can do. I sent screenshots of my pending transaction and pending daily cash to Apple. They said there end reflects it has posted. Apple had me go through the steps of removing my card and re-adding to my wallet. A new issue popped up after this. Once I did the removal and re-adding, my XXXX spending changed. I took screenshots of my XXXX spending so I can show the changes. I talked to XXXX, XXXX, XXXX, and about XXXX other people. They kept transferring me and restarting my claim. I am wanting to figure out why the charges and payments are not adding up. No one is willing to look into this other than to tell me their end says something different.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage ran a background check. The information they retrieve was inaccurately reported to the employer XXXX, XXXX. They stated that they contacted XXXX County State Court about a XXXX XXXX  charge on XX/XX/2018. The sentence reported was {$720.00} fine and 12 months probation with a plea of guilty. However, my records and the court reports report that the plea was {$720.00} fine and 12 months probation with a plea of nolo contendere. Which means that this charge is not an admission to guilt or innocence and I do not contest the charge.
Product: Student loan

Although I am on the SAVE Plan with a {$0.00} payment, I am still being incorrectly charged interest on my student loan. I have called numerous times and spent hours on the phone to get this corrected and each time I am given various excuses on why it has not been corrected and a new timeline on when it will happen. I am one of the numerous people that never received my bill for XXXX which started the issues. I was assured the interest would be removed from my account, I would receive a copy of my billing statement, and I would receive credit for the month but none of those items has occurred. I still have not received a copy of a billing statement or any documentation after multiple requests to prove that I am receiving credit towards PSLF or income driven payments with my {$0.00} SAVE plan payments so I have no faith that they are correctly tracking those items. MOHELA is not following the stipulations of the SAVE plan as evidenced by my ballooning loan balance.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX account name : XXXX  # XXXX inquiries : XXXX XXXX XXXX XXXX- DATE XX/XX/XXXX THIS IS NOT MINE XXXX XXXX XXXXXXXX THIS IS NOT MINE XXXXXXXX XXXX XXXX XXXXXXXX THIS ISNOT MINE XXXX XXXX XXXX XXXX THIS IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX THIS IS NOT MINE has violated my rights. 

I looked at my XXXX credit report on XX/XX/XXXXXXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 ( e ) ( b ). 

A

nd according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 ( i ) 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. and according to 15 USC 1681s-2 they are suppose to 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

In accordance with the fair credit reporting act, these accounts violated my rights as a tax payer. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written permission and instructions.

15 USC 1666B states that a creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for purpose.

Companies were contacted and refused to fix discrepancies due to dates being pass 2-years.
Product: Student loan

I was advised that I would be receiving money that I paid during Covid and never did. I also was told that I will not have any interest applied to my current student loan. I applied for the income driven save program under President Joe Biden and no interest were to be applied. I have since pay off the loan with the help from my parents. Would like to receive all the interest paid returned back to me, as well as the money pay during covid. Please feel free to contact me if you have any questions. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry was made on my XXXX credit report on XX/XX/2021 by a company called New Rez. I did not authorize this company to inquire on my credit report for any reason. I believe this inquiry was placed fraudently by someone trying to use my credentials to apply for credit under my name. I am requesting that this inquiry be removed or deleted from my credit report. I was alerts of a social security breach my XXXX Bank and my personal Information was reported to have been found on the dark web. I am requesting for this inquiry to be deleted/removed from my credit reports with XXXX XXXX and XXXX immediately.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information 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 not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion file # XXXX shows XXXX  as closed -it is open and current-show history-this was deleted incorrectly after investigation-i only requested an update in balance, XXXX and XXXX XXXX still show as closed -they are both open and current-show history, XXXX   unsecured is recently paid off, show history of a past open acct with history cfpb has stated this is a repeat but it is not, this has not been resolved pls correct this with transunion as they have been provided the fact from these creditors that these accts are open reaffirmed and have been in good standing, i would like this updated to show all 3 accts as open, show paying history and update scores, i would also like XXXX   credit card to be reinstated on transunions report with the excellent history that i have with them, i have tried to resolve this for almost a year and feel that filing a lawsuit will XXXX  the best results if this complaint does not resolve the matter, this is damaging to credit which i have worked hard to repair
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit I noticed that there were hard inquiries on my credit that i did not authorize and that i would like deleted from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX. XXXX XXXX
Product: Student loan

I was contacted on XX/XX/2021 by a Georgia Student Finance Commission agent who informed me that a payment was due on my account. I informed the agent that my account was in forbearance or in deferment. The agent told me it ending a month or two earlier. I informed the agent that I was not made aware of the change. I asked the agent about applying for a forbearance or deferment for economic hardship. The agent asked if I was employed. I informed the agent that I am employed but due to other financial obligations, and financial strain that I could not afford to make the payment or future payments at this time. The lady told me that I would not qualify for any of the options. I asked to agent to still send me the documents so I could fill out the one that applies. As I viewed the document it only list the following option to apply for ( listed below ) : I am experiencing a Student Loan Debt Burden. One year increments, XXXX years total. 
Monthly payments on my Title IV loans ( including XXXX, XXXX, and XXXX ) are equal to or greater than 20 % of my total monthly gross income. 

I am engaged in a XXXX or XXXX XXXX XXXX XXXX One year increments, length of program. 
An authorized official must complete section XXXX of this form indicating the beginning and ending dates. 
I am serving in XXXX XXXX ( XXXX ), XXXX XXXX, or XXXX repayment. One year increments, length of program. 
Supporting documentation from the authorized official indicating the beginning and ending dates must be supplied. 
I am serving on active XXXX XXXX duty as a member of the XXXX XXXX. One year increments, length of program. 
An authorized official must complete section XXXX of this form indicating the beginning and ending dates. 

Each of the forbearance qualifications given does not apply to me. Georgia Student Finance Commission updated there form in XX/XX/2021. Before the form was updated I qualified for the forbearance. This company no longer accepts medical or other debt as financial hardship, it only has to be unemployment status or student loan payments 20 % higher than you monthly income. This is making it extremely hard on my finances during this pandemic. I can not afford to make payments at this moment and my financial hardship reasoning should be accepted. This is also affecting my credit scores and mental health.
Product: Money transfer, virtual currency, or money service

i am formally writing to express my concerns regarding zelles handiling of disputes particularly in light of the cfpb lawsuit highlighting significant and extreme issues with the platform, i use the platform to send multiple payments and i dont feel safe using it anymore.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that these items do not belong to me. I would like to know will these items be removed. Inquiry 's are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These are on my XXXX report. I haven't applied for anything, I'm a victim of a XXXX  data breach that recently took place. 

XXXX XXXX Is reporting on my Equifax account also XXXX XXXXXXXX XXXX
Product: Debt collection

I was in XXXX when this was opened I disputed it with the credit bureaus with my evidence and still on my credit
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX, XXXX, NC, XXXX XXXX XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX REWARDS XXXX Balance : {$230.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX {$740.00} XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX Ct, XXXX, VA, XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX ( XXXX XXXX CO ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Ct, XXXX, NC, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX  XXXX Balance XXXX {$230.00} XXXX XXXX ( XXXX XXXX XXXX XXXX  ) XXXX Balance : {$740.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

i was charged for thing that i didn't do i was still paying the card since my mother had a copy and my wife sometimes used my cards. 
i log in to my account and make payment sometimes because of the annoying and low credit limit on my account and sometimes my kids log in by mistake with face id in my cellphone. 
i didn't authorized or do any of the charges that i reported.
Product: Debt collection

This is a follow-up to my first complaint which almost certainly will be fruitless as XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX their responsibility to XXXX, a company that has been extremely uncooperative with me and has been illegally trying to collect money from my under absurd and obviously incorrect information. 

I am formally requesting FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a debt validation letter which should, at a minimum, include details about the original creditor, debt amount, and important dates about the debt. This exactly what the CFPB says I am entitled to, yet in XXXX, XXXX XXXX XXXX 's prior CFPB response they simply state they will pass my request on to XXXX which almost certainly will not go anywhere ( XXXX & XXXX also hung up on me before I could request it over the phone ). I AM REQUESTING DIRECTLY FROM XXXX, XXXX XXXX XXXX A COPY OF MY DEBT VALIDATION LETTER. Not from XXXX, as they have never given ANY details in the past other than amount and some dates ( not an exaggeration ). 

A police report was filed on this over a year ago, so this shows how XXXX is trying to collect money from a documented victim of fraud and negligence! Document details can be happily furnished to the CFPB on request.