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

XXXX is reporting this account as pastdue with a balance when it has been charged off and sold to another company. I have requested several times for this item to be deleted due to its inaccurate reporting yet it still remains and continues to negatively affect my credit. This company is associated with XXXX which has a known history of reporting inaccurate unverifiable information on consumers credit files. I have contacted XXXX repeatedly in regards to this account and was told it was sold and no longer accessible to anyone within their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very XXXX for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX - Late 30days I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Product: Credit reporting

Transunion and XXXX is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. XXXX was not giving me credit for my mortgage Staten that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX. these credit bureaus are out of hand with this. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

under 15 us code 1681b permissable purpose of consumer reports I never gave transunion, XXXX and XXXX  any written consent to report anything to my consumer reports, so because I did not consent that means that is fraud. 

under 15 us code 1681a ( 2 ) ( B ) talks about exclusions from a consumer report any transaction supposed to be excluded from a consumer credit report. if a credit card which is social security was used in the transaction. the accounts listed below are all in violation of of both of these FCRA laws which i have tried resolving with the consumer reporting agencies and nothing has been done after multiple attempts. Because the violations are costing me a depressive life due to bureaus not following laws they should be held liable and repsonisble for fixing it. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This complaint submission is in regards to a false credit report by EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a Supervisor by the name of XXXX XXXX, who upon requesting information regarding the account, he then provided me the fax number so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2020, was confirmed through my fax machine that the Supervisor had received the files. At this point it is now XX/XX/2020, and after 30 days of notifying them, neither my Attorney or I have received any response, nor correspondents. 
I specifically asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$2100.00}. EOS-CCA are falsely reporting a debt to the three major Credit Bureaus and never sent me any initial notification. They even marked the account as pass due with several missed payments for something I was never even aware I allegedly owned. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS - CCA ( XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX  ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS-CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in the time of a Global Pandemic with the COVID-19 virus, and access to funds are crucial for survival. This false report by EOS-CCA has prevented me from gaining access to any lenders due to Derogatory Marks on my Credit Report. At this point EOS-CCA have failed to provide any competent evidence or any legal obligation and they are currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.
Product: Credit reporting or other personal consumer reports

I made a mistake when filing a dispute to remove my hard inquiries there is a XXXX XXXX credit card with a credit limit for {$6600.00} that I mistakenly had removed I would like to be replaced please credit line was added to my credit report in XXXX
Product: Student loan

About two weeks ago my regularly scheduled monthly payment to my private student loan servicer ( Navient ) did n't go through because my bank account balance at that time was a few cents off. Because of this, my bank did n't authorize the payment. I called Navient later that week on XX/XX/XXXX to ask if the company would try to withdraw an electronic check from my account again and he ( XXXX ) said Navient would n't try to withdraw the same payment a second time. Therefore, I made the payment online the following Monday ( XX/XX/XXXX ). The next day ( XX/XX/XXXX ) when I checked my bank account I saw that Navient did try to withdraw a second payment. Which caused my account to be overdrafted with fees being assessed to my account from my bank. I called later that day and spoke with XXXX ( XXXX ) who refunded one of the payments when I told her my situation and that I could n't afford to make multiple payments at one time. A week later, today ( XX/XX/XXXX ) I checked my Navient account online and it shows that I have n't made a payment for XX/XX/XXXX, and that my account is currently delinquent. When I called the Navient representatives they claim they never received a payment, although the second check from ( XX/XX/XXXX ) cleared. I 've spoken with representatives at my bank and they 're showing that I made a payment for last month. Unfortunately this is n't the first time that I 've experienced customer service issues with Navient, last year they claimed they did n't receive a payment that I made. It is obvious that Navient is n't telling their employees proper information about how payments that are n't received the first time are processed. This one payment has caused a never-ending inconvenience. If Navient allowed customers to make payments online without any restrictions I would'nt have to deal with the many mistakes that come from automatic withdrawal. This is yet another reason why we need to have student loan reform in this country! Especially when it comes to private loan servicers like Navient!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}
Product: Mortgage

Seterus has been claiming that we are a month or two behind and missing payments in our mortgage. This claim started happening once we were discharged from our Bankruptcy. We have received notices claiming we requested to modify our loan ( which we did not ) three days before receiving our actual mortgage statements. We bank online and do not wait for the statements to pay our mortgage. We have requested on several occasions for Seterus to send us the proof we are behind and missing payments. What they sent us does not prove it. We also responded with the proof all payments were made. The months they claimed we are missing were months we were with XXXX XXXX XXXX and we have proof we made all payments to them as well. We are being harassed by Seterus and they have dinged our credit with false information. We have tried to work with them through no avail to resolve this issue. Seterus are rude and accused us of refusing to accept that we owe them money. Please investigate this company, there is something seriously wrong with them.
Product: Credit card or prepaid card

Hello, American Express ( AMEX ) indicates that I owe a balance of {$4700.00}. I do not owe this balance. I have gone back and forth with AMEX in regards to this issue and have asked them to investigate the matter. They have not. I asked for a review or print outs of my account, however, AMEX indicated they could not give me printout pass a certain time. I closed my account in XXXX and had a zero balance. When I reopened the account, I was told this amount was outstanding on my account. There have been multiple calls made to rectify this issue but I have been placed on extensive holds, sent to multiple agents and experienced dropped calls as a result. AMEX even offered to reduce the payment amount for payment, however, it was an attempt to get my bank information. I explained to AMEX that my identity and information has been breeched several times, and inquired requested an investigation. I filed a police report and presented this to AMEX. There has been no resolve. I would like to get copies of my statements for the entire time holding a AMEX card, and I would like that AMEX remove the charge. I explained to AMEX of two attempts from " representatives '' to secure my social security number and to reopen the closed AMEX. The last incident occurred on XX/XX/XXXX. As instructed, I completed AMEX 's identity theft declaration. 
Embarrassing as it is, AMEX representative contacted my family members looking for me after he had already spoken to me a week prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : USDOE/GLELSI XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Checking or savings account

Credit Karma closed my account without any notices. I called them trying to get information about why my account was closed they told me because I broke policies. I asked them what policies I broke they told me for security reasons they cant tell me. I told them that Im a victim of identity theft. They still couldnt tell me nothing.
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX, KY XXXX SSN : XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries - Based on the FCRA Dear XXXX, I am writing to formally request the immediate removal of the hard inquiries listed on my credit report that were not authorized by me. According to the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681b, credit bureaus may only include credit inquiries in my report if I have given explicit and verifiable permission to the company that conducted the inquiry. 
After reviewing my credit report dated ( XX/XX/XXXX ), I have identified the following unauthorized inquiries : XXXX. XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have no knowledge of these inquiries and did not provide written or electronic authorization, making this a violation of Section 604 of the FCRA. As a consumer, I have the right to dispute any inaccurate or unverifiable information on my credit report.

Requested Action : I request that you immediately investigate these credit inquiries and provide proof of valid authorization within 30 days, as required under FCRA 15 U.S. Code 1681i. If you are unable to verify authorization, I demand that these inquiries be removed from my credit report immediately.

I am attaching a copy of my identification and proof of address to verify my identity. I expect a written response confirming the removal of these inquiries. 
Sincerely, XXXX XXXX XXXX