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

The company violated provisions of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681i ( a ) : Failed to conduct a reasonable investigation of disputed information after being notified of errors.

15 U.S. Code 1681i ( a ) ( 6 ) : Did not provide results of the reinvestigation within the required XXXX time frame. 
15 U.S. Code 1681i ( a ) ( 7 ) : Failed to provide a description of the procedures used during the reinvestigation to determine the accuracy of the disputed information.

15 U.S. Code 1681e ( b ) : Did not ensure maximum possible accuracy of the information in my credit report.

15 U.S. Code 1681i ( a ) ( 5 ) : Neglected to delete or modify unverifiable or inaccurate information identified during the dispute process. 

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 Inquired on XX/XX/XXXX Despite notifying the company of these errors and submitting supporting documentation, no corrective action or adequate explanation was provided. The continued inclusion of inaccurate information is damaging and unlawful under the FCRA.
Product: Student loan

I have my loans serviced with Navient Incorporated. They would not work with me to give me income based repayment. Instead they gave me the option of graduated repayment. There was also a time last year where I could not make a payment and they encouraged me to take a forebearance. I know have more interest and my overall balance is bigger.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT WITH PORTFOLIO WAS UPDATED AS DISPUTED BUT FAILED TO PROPERLY INVESTIGATE. DID NOT PROVE BEYOND A REASONABLE DOUBT.
Product: Credit card

I have had an account with bank of america since XXXX they have closed all of the local branches in my area and the closest bank is half hour away from me which has been difficult as a customer but I just dealt with the inconvenience. I worked very hard to pay off my credit card with Bank of america with a {$5000.00} credit limit. XXXX day I go into my online banking to check my accounts and my credit card was not showing. I called the bank and they said they had closed my account no notice just closed. I had never been late and never had an issue with this card had the card since XXXX they had just sent me checks in the mail where I was going to use XXXX at XXXX for 0 % interset until XXXX. I am so glad i did not having no idea they closed my account I would of been mortified. It has sbeen nothing but difficult to keep a relationship with bank of america they do not care about there customers or having a long relationship with them. After years of having a perfect relationship with them they close my account with a zero balance because they say my utilzation is high on my cards. I am done with them closing branches everywhere and not having relationships with there customers there is so many other banks that do n't treat good customers like this
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent, not mine and dont belong to me : XXXX XXXX XXXX XXXX, {$360.00} and XXXX/XXXX XXXX. The following accounts are lost/stolen and have fraudulent charges listed on the accounts : XXXX XXXX XXXX   XXXX Visa credit card account : XXXX-XXXX-XXXX-XXXX, XXXX XXXX XXXX  credit card account : XXXX-XXXX-XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inaccurate Information should have been removed from credit report by XX/XX/XXXX. 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days. 
Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by XXXX certified mail and also Uploaded into dispute portal on XXXX Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.
Product: Debt collection

Afni is attempting to collect a debt by mail that I am certain I do not owe. It is for a XXXX account and I have never had a XXXX account.
Product: Credit reporting or other personal consumer reports

Recently I took a look at my credit report. I noticed some inaccuracies. Please take a look at the following account to ensure accuracy. Highly injurious to my credit report. 
XXXXXXXX XXXX XXXX
Product: Student loan

Good Morning, My student loans were held by FedLoans for years, and I've never had any problems until now. I am under the impression my loans maXXXX have been sold to to another agency, but I have not received much guidance on how to access that agency or when that will take place. 

I have attempted to contact FedLoans by phone, email, and live chat, but no representative has contacted me or offered any help. My loan status is incorrect, and has been incorrect since late XXXX. I requested a Forbearance in XXXX while I was struggling with my income, and then the pandemic hit. I was informed the Forbearance should cancel after 12 months and I would need to reapply. I did not reapply as the Government was allowing student debt to be paused, including interest. 

Due to their clerical error and my loans having an incorrect status, I was assessed another {$2000.00} of debt to my balance from unpaid interest. I have been asking them for a formal review of my balance with no response. If I am under obligation to pay this debt, I would like an explanation at the very least. 

Thank you for your assistance, XXXX XXXX
Product: Debt collection

The following occurred over five years ago and has just shown on my report as well as attempts to collect debt that was not mine and was a result of fraud. There were purchases made and constant use from the card although I had not used it at all myself. During this time I also had other fraudulent charges on other credit cards that were reported and action had been taken as far as I can tell as those had not appeared on any report of mine nor has there been an attempt to collect on them. I also do not have access to the account nor information anymore as this had been so long ago that I thought it was resolved.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in XXXX  days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.
Product: Checking or savings account

Pnc sent me a dormant card to replace an expiring card. 
Obviously, this did not work. Ive spent 2.75 hours with customer service, a branch visit, and one crying spell to be given a replacement that didnt work. 

I just want a debit card and it was refused. I wasnt given an attempt to escalate or to speak to someone who could assist. I hope this complaint will trigger action.
Product: Money transfer, virtual currency, or money service

Through XXXX we initially sent a 10 % deposit on XX/XX/2019 for XXXX ( {$51000.00} ) to XXXX XXXX, Transaction No. XXXX. After a few weeks we were notified by XXXX XXXX XXXX ( Owner of the XXXX XXXX ) that the payment had not arrived. In order to secure the charter we sent an additional 10 % deposit to XXXX XXXX XXXX ( XXXX ) on XX/XX/2019 for XXXX ( {$51000.00} ). Both times the funds left our account and were held. After several weeks XXXX did receive both wires but they will not give us a refund for the second deposit. Under our contract, we are only required to pay a 10 % deposit though due to the duplicate payment 20 % has been submitted. We have reached out to XXXX  multiple times to get a refund but we have not been successful. Because it was XXXX 's institution that would not release the payment, we are now holding XXXX responsible for obtaining the funds and refunding us the XXXX. XXXX 's institution held the funds that we had approved to release without giving us a valid reason and we were forced to send a duplicate payment which has cost us XXXX ( {$51000.00} ).
Product: Vehicle loan or lease

I leased a XXXX XXXX from XXXX and I set up auto-pay from day one. My payments were deducting automatically every month for the first year and half then in XX/XX/2017 they stopped and reported me delinquent. I only found out after I got alerts from my credit card. I tried to understand what happened but I never got an answer to this day. I said fine and I swallowed it. Then when I returned the car at the end of the lease, everything was fine and I was told there's nothing left for me to do because I didn't want to re-lease from them. A month later I get another alert about a delinquent payment (?? ). I call and they tell me its a disposition fee. I was never informed about it nor have I received a final bill. Yet, they destroy your credit score just like that. Horrible experience, no communication at all, and I will never own a XXXX again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I was looking at my report an notice there were some things was not correct. I sent a letter to EQUIFAX but it has been more than 35 days EQUIFAX still haven't responded to my letter.That is a violation of 15 1681i ( a ) Under the USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 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 XXXXXXXX XXXX XXXX delete these accounts immediately because of violation of 15 USC 1681i ( a ) ( 1 ) ( A )
Product: Credit card or prepaid card

My 11 year old computer died and I went online to apple.com to buy a replacement one. Their site advertises that you can get an Apple credit card with 0 % APR for the first 12 months and pay off the computer. When I tried to redeem that offer, their Goldman Sachs website came back and extended a {$2500.00} credit limit, which does not cover the cost of a computer on their site. I called in to get the limit increased to {$3200.00} because I make {$320000.00} a year and have a XXXX credit rating. When I called in, their representative told me the only way to request a credit limit increase to cover the cost of the computer was to accept the credit card offer and open an account. So I did. He told me the next day I had to call back to request a credit increase. There was no other way to get an increase on the application. I have just done that, and despite making a high salary, having zero credit debt and having an excellent credit score, Goldman Sachs / Apple has denied the application and not giving me a reason. It is deceiving marketing, and their representative deceived me into opening an account, which has now hit my official credit record. I literally just needed an {$800.00} dollar increase, and have a perfect payment history on my credit for 20 years.
Product: Credit reporting or other personal consumer reports

The collection agency listed accounts on my credit bureau report without contacting me and once I asked for validation of the debt, I did not receive adequate documentation. I requested more information and did not hear back from the collection agency, no response. I notified the credit bureau of this infraction and they did not remove the collection from my credit report stating the debt was verified. I asked the credit bureau for proof of how the debt was verified and did not receive a response. These issues have far past the 90 day mark. Please have these infractions removed from my credit bureau reports. 

Thank you, XXXX
Product: Credit reporting

Pursuant to the last letter received from the credit bureau, they have failed to furnish the information used to ascertain the method used to report the account in question ( The Right to Report ). I have sent letters certified mail, and have received notification of their ( CRA ) receipt of disputes. I have received nothing but stall tactics, and accusation of frivolous disputes. Yet, my requests have not been honored which is my right under sections XXXX & XXXX. If in fact a bankruptcy has been dismissed, Is n't it unfair that such bankruptcy should be held against a consumer when the consumer did not go through with the bankruptcy? It automatically becomes public record when you file, I understand this. Why though, when the smoke has blown over and the bankruptcy is dismissed for non payment, change of heart, etc ... is the bankruptcy to remain public record? Its insane, and it hurts the general public to be able to exercise their right to in fact change their mind about such a big change to their lives if thats what they choose to do! This bankruptcy has kept me from obtaining credit, and has hurt me in many areas of my well being. It 's down right embarrassing, and unfair that it is held on reports and it is n't completely legitimate because it was dismissed. Section XXXX & XXXX grants me, the consumer the right to know what, and who is reporting on my credit, as well as names of people associated with investigations and the method of verification used to report this information. They have not complied, and I want to sue for willful non-compliance. Seeking all damages possible. I have attached letters i have sent to each Bureau. I however have not attached their responses or receipts of my sending letters certified mail as i do not have the ability at this time to scan and copy these documents to my computer.. But I do have them and will get it done when needed and expeditiously as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX, XXXX XXXX, UNKNOWN XXXX, XXXX XXXX ( Original Creditor : 10 XXXX ) XXXX , XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX,
Product: Payday loan, title loan, personal loan, or advance loan

I had an ACH bounce from issues with an account i have with Financial Pacific Leasing on XX/XX/XXXX. I went online and paid the agreed monthly payment on XX/XX/XXXX and included a few extra dollars. Verification from the system of the payment was obtained that day, funds from my account to them were paid ( they stated payment recieved on XX/XX/XXXX when i called on the XXXX ). They then sent me a notice of past due balance for the entire payment with a late fee. I called and left a voice message and replied to the past due email with all documentation of payment made. They are now adding a late fee to the upcoming payment on XX/XX/XXXX along with an additional misc fee. I have tried to help them resolve their negligence for 20 days and with 10 days til the next bill, they will attempt an ACH that will not clear as I will only have the monthly payment in the account they should legally pull. This will cause an ACH fee I will require reimbursement on when the bill is corrected for this and the fees. I will continue to call them as the the ACH bounce date to resolve this issue until the bill is corrected or they pick up the equipment breaching the contract. I am looking for assistance to resolve the issue and if not then documentation of my attempt to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I received notice of a credit inquiry from XXXX 's ( sp? ) that I had not caused. I contacted Experion and had it removed and placed a fraud alert on my credit. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX declining an account request that I did not make. Their reference number is : XXXX and on the second line : XXXX. 

After quite a bit of redirection on the phone, they told me that the actions I had taken were proper and that I should also file this complaint to insure it get propagated to all credit agencies. 

The address on that letter has some bogus information on it which suggests the information used may have been take from the XXXX XX/XX/XXXX data breach.
Product: Credit reporting

A letter written by XXXX XXXX, the creditor, dated XX/XX/XXXX, was sent to all credit reporting agencies advising them to change our credit history for them from " negative '' to " positive! '' Yet, my XX/XX/XXXX Credit Report by TransUnion is still reporting the account as " negative! '' No other credit reporting agency is reporting XXXX XXXX negatively ; they corrected the status in XXXX, as stated in the letter from XXXX XXXX! 

I went online to dispute this erroneous information XXXX XXXX and XX/XX/XXXX ; I sent the support documents XX/XX/XXXX XXXX XXXX Mail via " Certificate of Mailing. '' I called TransUnion today, XX/XX/XXXX, and spoke with XXXX initially, then I spoke with her supervisor, XXXX. He admitted receiving and looking at the support documents I submitted, yet he refused to change the status from " negative '' to " positive '' per the creditor 's instructions in the letter! The other XXXX credit reporting agencies XXXX XXXX, XXXX, XXXX XXXX had this information changed in XX/XX/XXXX
Product: Student loan

Date : XX/XX/2018 RE : Complaint ID XXXX To Whom It May Concern : Thank you for your vital assistance regarding complaint XXXX, Chase /Student Loan Division. 
However, the correspondent, I received from XXXX XXXX XXXX, Chase, Executive Office on XX/XX/2018 did not address my concerns. 
I understand the debt was cancelled, yet when I was financial able to pay on the loan Chase refused the payment, nor would they reinstate a payment plan. 
My question is is it company policies or federal regulations reasons why Chase would not accept payments, after the XXXX was issued. 
Regard, XXXX XXXX P.S. My original concerns did not have anything to do with credit reporting procedures.
Product: Debt collection

Portfolio Recovery Associates took a default judgment against me. I did not appear in the case because I was never served with the court papers. I tried to vacate the judgment several times, but was unable to follow through because I had been seriously injured in a mugging which has required several operations. Last summer, I received a notification from Portfolio Recovery Associates that they wanted to discontinue the court case and they included a stipulation to discontinue the action. I consulted with the attorney and she told me that since there was a judgment against me, the case has been disposed of and the only way to get the case discontinued is to vacate the judgment and then discontinue. I contacted PRA. They were very rude to me and refused to help. I then retained an attorney. She has written to them and phoned them and provided proof that there is a judgment so that they will change the language to reflect that the judgment is being vacated. After every contact, they just send her another form letter with the same form stipulation without the language vacating the judgment. I understand that PRA entered into a settlement agreement with the CFPB which is why they keep sending me the stipulations. When my lawyer has talked with them, they have told her they did not know there was a default judgment and asked her to give them proof but even after she faxed a copy of the judgment to them, they still keep sending back the same form stipulation.
Product: Debt collection

On XX/XX/2022 I mailed Action collections in XXXX, Idaho a debt validation letter and asked for specific information which was delivered to them on XX/XX/2022 ( usps XXXX XXXX ) and the information I requested they failed to provide in their response which I received on XX/XX/2022. I do not believe I still owe this debt and they are refusing the validate per the requirements of fair credit reporting act and are also refusing to remove it from my report.