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

My XXXX report is currently showing the same collection report twice. All of the dates match, the amount only differs by XXXX  dollars. I have disputed the information on several occasions with no luck. I called on XXXX XXXX 2020 Penn Credit and was told that there is nothing that they can do since they are only showing one account. I also called XXXX on XXXX XXXX 2020 and was told that " they will probably be combined '' The account is almost 6 years old and was paid over 4 years ago. XXXX  was unable to give any other information other than the last 4 digits of the account number which are the same but I was told that there is still a possibility that they are two different account. Current screen shot provided and payment confirmation can be provided as needed. 
Confirmation Number : XXXX
Product: Student loan

Calling the company Aidvantage about the account login being XXXX. They will not unlock the account. I spent XXXX hours on hold to unlock the account for my mother so we could setup payments that were about to restart. My mother is elderly and can not sit on the phone for XXXX hours nor can I go and sit at her house for XXXX hours because I have to work so i can pay my loans. The loans are under my name anyway and her name. This is unrealistic requirement for a working person that is trying to may payments on their loans like I have been doing for the last 6 months.
Product: Checking or savings account

Typically my direct deposits hit a day before payday, it is now payday and my funds have not been released to my account and payment has been confirmed by my employer
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX first XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I've been pretty consistent with paying my bills on time. rm saying this because I went XXXX XXXX the other day and applied for an account I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report XXXX/XXXX, XXXX, XXXX XXXX   and XXXX XXXX. There are also inquiries on my report that I know nothing about. Please remove these inquiries as well. I have contacted the FTC and my local police. Im also doing this on my own behalf.
Product: Debt collection

I was contacted by someone saying they were a process server trying to get a hold of me at my residence. I was at work at the time so I was given a phone number to contact and a case or reference number. I contacted the number provided and was speaking to a man named XXXX extension XXXX that told me he was trying to collect a past due debt from Wells Fargo bank. I indeed did have an outstanding debt from Wells Fargo and they also had my current and previous address which they said they had sent me mail to which was made this whole situation seem legit. He said that Wells Fargo was summoning me to court to file a lawsuit against me in an attempt to collect this debt. Myself not wanting to deal with the court and lawyer fees asked how to take care of the debt immediately. I was told I would be sent an email providing me with a link to where I could pay off the balance and avoid all the extra fees and being summoned to court. I followed the instructions on the email, providing a payment method by credit card and after providing the payment was given assurance that no further action would be taken. I paid a total of {$2100.00}. I was sent a receipt for payment stating XXXX balance. Something about the name on the header made me skeptical about what had just happened. I have contacted discover fraud department trying to put a stop to the pending payment but even after speaking with a supervisor was unfortunately told there was nothing I could do and that the payment will stand. I since have contacted the attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : Shellpoint XXXX XXXX XXXX XXXX, SC XXXX Loan # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX VI XXXX XXXX Borrowers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Modification Process XXXX* didn't provide accurate information XXXX* received documents as requested and had issues with the signature of XXXX XXXX XXXX XXXX Didn't give the proper address to resend revised documents XXXX* Asked us to provide a Quitclaim Deed to have my name removed but later rescinded that claim. ( please listen to recorded phone conversations ) XXXX* Told us because the modification is in the process we will need to pay after it's finished XXXXWill there be late fees or show up on my credit report XXXX* answer- No! 
XXXX Some of this can be backed up through emails XXXX* My credit report is showing 60 days late XXXX* We will fix it, but never did. 
XXXX* Today- My 60 days late wasn't any fault of theirs. 
XXXX This is unfair and unprofessional, especially when you have recorded conversations and you make it a point to notify the customer. Their representatives should not be allowed to misrepresent the truth.
Product: Credit reporting or other personal consumer reports

Please remove the report from my account- it is effecting my credit report and needs to be removed I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability 's to obtain credit
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer. 

Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : Santander Consumer USA Account XXXX : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX {$27000.00} XXXX XXXX  XXXX {$980.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$0.00}
Product: Debt collection

TO W

HOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possib
le.
Product: Debt collection

I do not have a relationship with honda financial at all. I have a car loan with XXXX  XXXX and I am current on my loan payments. 

out of the blue, honda financial sent me a letter dated XXXX, indicating that I owe {$73.00} and that his debt has already been turned over to a collection agency. 

This is the only communication that I have received from honda financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Product: Payday loan, title loan, personal loan, or advance loan

I was contacted about a one-time cash app loan. I gave my info and they asked for my cash app tag. On XX/XX/year>, the company attempted to order a debit card. On XX/XX/year> they debited money out of my account and there was never a loan. I contacted the XXXX  as well as my bank, but my bank XXXX XXXX XXXX has yet to either step in or attempted to get my money back.
Product: Credit reporting or other personal consumer reports

I have provided all credit reporting agency and the collection company proof of payment and receipt and this has still not been corrected and removed. I am now demanding correction of this removal with in 15 days, if this is not completed I will file legal repercussions. I am aware that the damages they are causing me is in violation of 15 usc 1681 n Civil liability for willful non compliance. Each violation under this section could be a XXXX fine. Remove this immediately,,,,
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report related to my name. Despite submitting proof of my correct name, the errors have not been corrected by the credit bureaus : Equifax, XXXX, XXXX ). 

I initially contacted the credit bureaus on XX/XX/year> I provided proof of my correct name, including ID, and other documents. 
I have received automated responses but no resolution to the issue. 

These errors are impacting my ability to get a loan Received automated responses but no resolution. XX/XX/year> I requested that the name errors on my credit report be removed. I sent in proof of my name and requested they remove name errors as well as associated accounts with name errors such as XXXXXXXX XXXX and XXXX XXXX XXXX. I keep getting automated responses - filing complaint for
Product: Credit reporting or other personal consumer reports

Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights.

T 15 US C 1681 section 602 A States I have the right to privacy 15 U S C 1681 Section 604 A Section 2 : It also states a consumer reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian credit bureau was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim. these items need to be removed asap. this has affected my credit in a huge way XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud accounts on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This is NOT a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have reported invalidated information to any of the three major credit bureaus ( XXXX, XXXX, and Trans Union ) ; this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act and Defamation of Character. It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA. 

ACCOUND NAME XXXX XXXX  XXXX. 
Account # XXXX. 
Date Opened. 
XX/XX/year>. 
Balance Owed. 
{$8700.00}. 
ACCOUND NAME XXXX Account # XXXX. 
Date Opened. 
XX/XX/year>. 
Balance Owed {$9900.00} Review and remove these accounts that have inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is falsely reporting my credit card account over the limit. When I emailed them they said 6 to 8 weeks to process the change with the bureaus after they report. I thought credit reports are supposed to be updated every 30 days. My credit report has not been updated since XXXX. I also attached a {$500.00} payment from my checking account to XXXX on XX/XX/23. So if my balance is {$1500.00} and I paid {$500.00} in XXXX no way can I be over the limit on a card I shredded and dont swipe anymore. This is a violation of my consumer rights under the fair credit reporting act. See attachments TransUnion even sent me a verification letter as of XX/XX/23 showing they validated false information. Also attached
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank has informed me that there is negative information reported by XXXX  XXXX XXXX RTN/ACCT # : XXXX included in the file ChexSystems maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing Account Abuse. Please validate this information with XXXX XXXXXXXX XXXX and provide me with copies of any documentation associated with Account Abuse. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. 

The item above should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

As per the USC Codes, specifically Section 1785.16 ( a ) ( 2 ) ( B ), it is the responsibility of the reporting agency to ensure that the information reported is accurate, and to reinvestigate any disputed information. Furthermore, under Section 1785.25 ( a ), any person who willfully and knowingly violates any provision of the FCRA may be liable for damages. 

I am confident that the investigation will reveal that the negative information reported by XXXX XXXX XXXX is inaccurate, and therefore should be removed from my ChexSystems report. I am requesting that you take the necessary steps to ensure that this information is removed as soon as possible.
Product: Credit reporting

I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims.
Product: Payday loan, title loan, or personal loan

I have a loan with CREDIT ACCEPTANCE CORP with account number XXXX. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA.