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

I am writing to address serious concerns regarding the inaccurate reporting of my financial transactions and experiences to consumer reporting agencies, as well as the violations of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2. 

Upon reviewing my XXXX, Equifax, and XXXX consumer reports, I discovered that XXXX has reported a some late payments. However, this reporting is in clear violation of the FCRA. According to 15 U.S. Code 1681a 2 ( A ) ( i ), consumer reports do not include information solely pertaining to transactions or experiences between the consumer ( myself ) and the entity making the report ( XXXX XXXX ). 

The law explicitly states that transactions or experiences between the consumer and the reporting entity are not to be included in consumer reports. Therefore, the reporting of a late payment directly contradicts this provision of the FCRA. As such, you have violated the FCRA 15 U.S. Code 1681a 2 ( A ) ( i ) and 1681s2 by inaccurately reporting this transaction on my consumer report.

Furthermore, under 15 U.S. Code 1681s2, furnishers of information to consumer reporting agencies have a duty to provide accurate information. It is prohibited to furnish information if the person knows or has reasonable cause to believe that the information is inaccurate. By reporting a late payment when no such transaction occurred, you have knowingly provided inaccurate information to consumer reporting agencies.

I am formally putting XXXX XXXX on notice that the continued reporting of this inaccurate information constitutes a direct violation of the FCRA and your responsibilities as a furnisher of information. You have caused significant harm to me and my family through your negligent and inaccurate reporting.

Therefore, I demand that you immediately delete the erroneous late payment from my consumer reports within after receiving this notice. Failure to comply with this demand will result in legal action being taken against your company. I will seek actual damages for the harm caused by your failure to comply with the law, including but not limited to defamation of character, negligent non-compliance, civil liability, mental anguish, and violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) .Furthermore, if the late payment is not deleted within the stipulated timeframe, I will pursue arbitration to resolve this dispute. I reserve the right to pursue all available legal remedies to address this matter.

Do not send me any correspondences regarding this matter unless it is to confirm that you have complied with the applicable law and deleted the inaccurate late payment from my consumer reports.

I expect prompt and satisfactory resolution to this matter.
Product: Debt collection

I have received 2 debt collection agency letters for different dollar amounts for a company I have NEVER shopped in. I have NEVER joined a XXXX 's XXXX XXXX, I have NEVER purchased materials at a XXXX 's XXXX XXXX, and I have NEVER even set foot in a XXXX XXXX XXXX XXXX. 
Due to these 3 conditions, I assume that the so-called debt collection agency and these letters are scam attempts to gain access to my credit. 

I have called the company and attempted to file a dispute and was directed to their website. Their website system for disputes asks for a LOT of personally identifiable information such as bank account name, routing numbers, account numbers, SSN, and DL # s. When I attempted to submit a dispute form without this information, the submission " failed ''. I printed out their PDF for claim disputes and will mail it to them. 

Specific Information regarding this false debt : Debt Collection Agency Information TRS Recovery Services Inc XXXX XXXX XXXX XXXX XXXX, CA XXXX-XXXX  Phone Number given to inquire about these debts : XXXX A second address given to reference debt ... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX Another number given is XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate credit reporting related to my First ProgressXXXX XXXX account, Account Number XXXX. The account was last updated by XXXX on XX/XX/year> and by XXXX on XX/XX/year>. 

I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : I have sent multiple requests for debt validation and account verification, but no sufficient documentation has been provided by First Progress to confirm the accuracy of the reporting. 
I have disputed this information with XXXX and XXXX, but the inaccurate information remains on my credit report. 

The balance and status of this account are being reported inconsistently by both XXXX and XXXX, despite my efforts to correct this information. 
The reporting addresses for the credit bureaus involved are as follows : XXXX : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, ( Credit File ), XXXX XXXX, TN XXXX This inaccurate reporting is negatively impacting my credit score, and I am requesting the CFPBs assistance in resolving this issue and ensuring that First Progress and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed from my credit file due to the failure of the companies involved to provide accurate and verifiable information. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX an auto repossessed from my XXXX  credit report and was deleted on XX/XX/2024 from my XXXX  report for reporting inaccurate inconsistent information on my XXXX  report.ive disputed with transunion and XXXX and they are not doing an investigation and keep reporting this inaccurate inconsistent account. 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.XXXX XXXX is reporting inconsistent information and are repeatedly updateing a charge off and that manipulates the statue of limitations.XXXX XXXX acount # XXXX is violating my federally protected rights to privacy and confidentiality.delete immediately from my XXXX and transunion reports.and pay me {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I was offered a business credit card for XXXX XXXX, with a {$25000.00} limit. Upon using the card in early XXXX, I noticed a major increase in credit utilization and a drastic drop in my personal credit score, from XXXX to the XXXX. 

Furious, I contacted XXXX XXXX  to inquire why this business credit card was being reported on my personal credit report. I was not a personal guarantor for this account, and as such, it should not appear on my personal credit file. Despite my efforts to resolve the matter, no corrective action has been taken as of XX/XX/XXXX. 

This error has severely damaged my business as a real estate investor, preventing me from making new property purchases and forcing me to accept higher interest rates. 

Under the Fair Credit Reporting Act ( FCRA ), business accounts should not impact personal credit unless specific terms, such as personal guarantees, apply. I request the immediate removal of this account from my personal credit report, as it is negatively affecting my personal and business financial standing.
Product: Checking or savings account

XXXX is refusing to open an account they have not stated why. I have done nothing wrong.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

Experian : 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 XXXXXX/XX/year>
Product: Bank account or service

Peoples Bank is practicing what they called XXXX banking in the XXXX 's. It began by the bank charging {$10.00} on a small checking account. When I called to close the account I was told I had to drive from XXXX to XXXX. Instead I wrote a check to take the balance to zero. They chose to accept a direct debit against a zero balance of XXXX to collect a XXXX fee. Any review of the notes they could have easily seen I wanted to close the account. Instead they continued to charge service fees on a zero balance accounts Today this day is why the XXXX distrusts the XXXX banks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was cleared of all this charges/dismissed. This should not be on my back ground check. I've asked them to remove this from my report and they have refused to remove it. It as caused me to lost my status of employment, As a result of these violations, I have suffered the following damages : I was denied employment because of the inaccurate information on my report. 
I have suffered emotional distress and XXXX  as a result of the inaccurate information. 
I have incurred the cost of hiring an attorney to represent me in this matter. 

I have been cleared of all criminal charges and I need you to remove this from my report because it is violating my fcra rights.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/year> I got an email from a Chase backed credit card company stating it needed additional information to approve my credit card application. This happened to be the third time this year. I called Chase just like the last two times. Told them it was not me trying to open the credit card and they assured me that it would be removed from and credit reporting.
Product: Student loan

Greetings : Graduated for my XXXX XXXX in XXXX from XXXX XXXX XXXX University XXXX XXXX and XXXX. I requested private student loan from " National Education Servicing '' ( NES XXXX based in XXXX IL. for the amount of {$14000.00} Private, disbursement date XXXX/XXXX/XXXX. Monthly payment of {$140.00}. Federal student subsidize and subsidized XXXX {$4900.00} XXXX only used portion of it not all amount. 

In early XXXX XXXX, I received a call from XXXX customer service informing me they work with national education servicing and the federal potion of my loan is currently managing by them. I call my loan servicing company, National Education Servicing ( NES XXXX and they informed me yes ONLY federal student loans is managed by XXXX but the private loan will still service by my current compnat, National Education Servicing ( NES XXXX. 

In the month of XXXX XXXX, I received another call from XXXX customer service telling me that my private loan is managed by XXXX as well. I had a heated conversation with the an overseas employee and I was told that we have your personal and credit information and if you do n't pay {$50.00} forbearance ASAP, my personal credit will be ruin. 

I tried to reach out to National Education Servicing ( NES ) but realized they were out of business as of XXXX. Naivent customer service refused to provide me any documentation on how they got my loan portfolio/information. 

I was not even given any prior notice from National Education Serving, XXXX that my loan will be transferred to XXXX. Also, what i noticed is my principle for private loan with XXXX went up as well the total amount of my federal loan. I have been paying {$220.00} a month since XXXX/XXXX/XXXX and now It seems I just started borrowing the same loan. 

Here are the XXXX information : The toll free number is still working but when i tried to log into my account the site is not active. 

You can listen to the recording message. 

https : //nationaled.net/login/help XXXX https : XXXX I really appreciate any feedback and thank you all for being a consumer advocate.
Product: Credit card or prepaid card

As I was browsing the Victoria 's Secret website, an offer for a pre-approved mastercard popped up. I accepted the offer. Today, the card came and it is a store card - not a mastercard. I have cancelled the card. This is a bait and switch to deceive people into accepting a store card that they do not want.
Product: Student loan

ACS Education Services is refusing to release my loans to another borrower that is consolidating my loans. After contacting ACS numerous times about them sending the info they continue to say the same thing " We 're done with XXXX of your XXXX packets '' and I 've heard this for about 2 months. They had the request to send the info so they could be paid off in XXXX 2016 and after speaking to the new lender today ( XXXX/XXXX/16 ) I was just advised they send information that my loans were paid off already. In the mean time ACS has my loans in default, sent it to a collection agency, and put it on my credit report. I 've NEVER defaulted on my loans and was even struggling to pay them $ XXXX/month but still did it. If anyone looks online they will see the many horror stories about ACS Education Service and I almost feel I 've paid my money to a company that has scammed me the whole time and concerned about the payments that I did make. I 've found a company that is authorized by the Dept of Ed to help with consolidation, lower my payments for all my loans dramatically, and actually give me a length of how long I will have to pay them. I am now in the process of faxing them my bills to prove that I still own ACS and they will help me resolve the issue and hopefully get the funds to them to pay them off. 

On another note my other lender sent the information within 2 weeks and were paid in full within 3 weeks.
Product: Checking or savings account

I was the victim of a scam and I alerted my bank, Ally Bank as soon as it happened and they froze my account on XXXX and they are still holding my funds and will not release them and it is my only source of income and its {$3200.00} and I have a family of XXXX with no gas, no groceries and I have XXXX money and they returned the fraudulent check on XXXX and have yet to unfreeze my account or give me access to my money and say that they could hold it indefinitely. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have been trying to get XXXX XXXX XXXX XXXX ( XXXX ) to report my car loan to Equifax. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. Equifax has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through XXXX XXXX XXXX XXXX ( XXXX  ) was removed again. I called to get it resolved and was told to get a copy of my report directly from Equifax to confirm. I called Equifax and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by XXXX to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with Equifax I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at XXXX and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.
Product: Credit reporting or other personal consumer reports

You are reporting inaccuracies on my credit report, first of all I've written to you before regarding this matter. You refuse to delete names on my credit report that does not match my name. Below is a picture of my ID showing my exact name, this is the only name and formant that I have ever had and that must be used. Every other name on this consumer report does not match, and it does not belong to me, delete these names immediately. Furthermore, you are furnishing outdated and irrelevant addresses on the premise that the credit report is supposed to be accurate. 15 USC 1681b speaks about relevancy of the information on the consumer report and the obligation you have to report accurate information. You are reporting inaccurate information and outdated information, you have single handedly caused damage to my reputation, my character, my mode of living. This information needs to be deleted ASAP. 

My ONLY Name : XXXX XXXX My Only Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX My Only Email : XXXX My Only Number : XXXX Any and Every bit of information pertaining to me needs to be deleted ASAP. And is against the LAW.
Product: Checking or savings account

I made a mistake on paying my bills and forgot some automatic bills that come out so Hancock is charging me. XXXX dollars three times I have been trying to put money in the bank to bring it current but something else comes out and the bank does not notify me that I will be overdrawn I have called them and has fallen on deaf ears I explain to the bank rep that I am trying to catch up and they still do over draft I put money in there thinking I am caught up and the next morning all the money I put in is gone with more fees please help thx XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i had a capitol one card which had some late payments.i paid the card in full and I do not have the card anymore .the company told me it was closed, ,however after more than five years, ,they refuse to remove it from my XXXX report, i have disputed it nothing.i have called the  company .nothing it is still on my report with a negative view..please help me .I don't have a balance I paid the entire amount, XXXX I called, XXXX I called, ,i disputed it in XXXX of last year and also this year, ,nothing
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 inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here 's the list of inquiries which do not belong to me or were opened without my permission : EXPERIAN : 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX TransUnion Subject : Fraudulent Accounts Dispute Due to Identity Theft TransUnion, Equifax, Experian I am writing to inform you of fraudulent accounts that appear on my credit report due to identity theft. I request an immediate investigation to resolve this issue.

The accounts in question are as follows : 1. XXXX XXXX XXXX XXXX ( Account Opened : XX/XX/XXXX ) - Balance : {$2200.00} 2. XXXX XXXX XXXX  XXXX ( Account Opened : XX/XX/XXXX ) - Balance : {$680.00} 3. XXXX XXXXXXXX XXXX ( Account Opened : XX/XX/XXXX ) - Balance : {$590.00} These accounts were not opened or authorized by me. I request that they be removed from my credit file and a fraud alert be added to my report to safeguard against further damage. 

Enclosed are copies of my government-issued ID and proof of address for verification. 

There hindering me from moving forward in my life an getting an account for money management Thank you for your attention to this urgent matter. Please contact me using the information above if further details are required. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A dispute was submitted XX/XX/year> for inaccurate reports furnished on a consumer report. All of the inaccurate reports disputed was confirmed to be inaccurately reported and deleted by the consumer reporting agency. These inaccuracies violate 16 CFR Subchapter F, 15 USC 1681, Consumer Financial Protection Act, The Fair and Accurate Credit Transaction Act, Fair Trade Commission Act and The Privacy Act. There was no delivery of opt out notice provided ( 17 CFR 248 violation ) nor was there any verification of the information done with the consumer before the inaccurate furnishing ( 12 CFR 1022 violation ).
Product: Debt collection

LVNV FUNDING LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RESURGENT CAPITAL SERVICES L.P Indicated a balance of XXXX I have no knowledge of this account nor had any purchases this was open fraudulent
Product: Debt collection

I had a capital one card that was stolen. I contacted the company because charges had been filed on my card. The company refused to investigate the charges b/c they were made by someone I knew. Regardless of if I knew them the card was stolen and the charges were not authorized. The company refuses to investigate signatures, charges or any details. They sent the debt to a 3rd party collector without resolving my complaint. They also continue to contact me about a debt they refused to investigate. I also discussed with the company paying the debt that I was responsible for in return that they remove the debt from my credit report however they refused. They want me to pay for fraudulent charges that I did not incur and that they fail to investigate because it will be costly to them.