23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Starting mid last year I started seeing " no payment due '' on my account in EdFinancial 's web portal. I had not received any bills in the mail for months, and still have not. Then in XXXX my account all of a sudden showed as overdue so I paid what it said I owed, about a double payment. Then I maid a payment in XXXX even though it said I didn't owe anything, in an attempt to keep current. But then in XXXX it said I owed a triple sized payment and that I was again somehow overdue. So I made that payment. Since then, the portal has shown " no payment due ''. I was scared that I was not current on my account even though the web portal said that I was current, I dug around in their " inbox '' documents and there were bills in there that looked like bills that should have been mailed to me, but were not. These had due dates and past due amounts! So, I paid the XXXX unpaid bills in the web portal even though the web portal still said " no payment due ''. Now over a week later the web portal still does not reflect those payments and they are not in my payment history. I complained to the company and have gotten no response. The confirmation numbers for the lost payments are XXXX and XXXX. Now the portal says I have a payment due, but I don't know if that is covered by my previously paid bills or not. Please help! thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offers no easy means to contact them via chat or by phone resulting in delayed response or no action being taken. The mail in option reference items that are non existence, asking for a report number or account number to process. When attempting to access via online or by phone, t stated my Birth Date was incorrect, so I tried calling and got into a loop of wanting to get to the fraud department but only allows to add a fraud alert, no way to address an existing one or get it removed. How can I get my credit removed from Experian having any access to it? I want to file a class action law suit for pretty much requiring someone to purchase their services to even get access to their own information that may or may not be correct. That in and of itself is illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent Inquiries and personal information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any Inquiries and personal information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of Inquiries and personal information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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

Upon reviewing my TransUnion credit report, I discovered multiple fraudulent accounts and unauthorized inquiries. These accounts and inquiries were opened in my name without my consent, negatively impacting my credit score and financial standing.

The fraudulent accounts listed in my TransUnion report include : XXXX Opened XXXX XX/XX/XXXXXXXX XXXX Opened on XX/XX/XXXX XXXX Opened in XX/XX/XXXX These fraudulent accounts were not authorized by me and must be removed immediately.
Product: Debt collection

I faxed as well as supplied the clerk of courts in XXXX, SD a copy of a cease and desist letter to Credit collections this cease and desist letter at this time which was part of a suit against me also supplied a current address at the time since they were using a former address and family member to serve me as well as send letters knowing this was not and had not been my current address since XXXX. They are constantly calling my cell phone and obliviously using still my former address since I have not received one letter from them at the correct address which was valid up to XX/XX/XXXX. They have gone so far as having me served at the former address where ex family member thought it was important they actually accepted the documents thinking it was an emergency. They have also called my children phone numbers since XXXX which the cease and desist letter also states not to call those numbers or any 3rd parties numbers either which they have also. By sending information to non authorized 3rd parties they are also violating hills laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not removed a fraudulent account that was a result of identity theft. This account has already been removed from XXXX XXXX and XXXX and I have supplied all supporting documents, I am a victim of identity theft and this fraudulent account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

[ My Name ] [ My Address ] [ City, State, ZIP Code ] [ XX/XX/year> ] Central Portfolio Control , Inc [ XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Subject : Request for Account Information Account # [ My Account Number ] Dear Sir or Madam, I am writing regarding the account referenced above, which appears on my credit report. I am not yet disputing this account ; however, I am requesting additional information for my records. Please provide me with the following details regarding this account : XXXX. The chain of title or assignment of the debt, including all entities that have owned or managed this account. XXXX. The date of the first delinquency. XXXX. The date of the last payment made on this account. XXXX. The amount of the last payment. XXXX. The date of charge-off, if applicable. XXXX. Proof/verification of legal right to collect on said debt with original signature and documentation that I ever had an account with this company. I kindly request that you provide this information within 30 days of receipt of this letter. This request is made pursuant to my rights under applicable federal and state laws. Please send your response to the address listed above. If additional information is required to process this request, feel free to contact me at [ My Email Address ]. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, [ My Full Name ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no XXXX company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit card or prepaid card

XX/XX/XXXX -received a voice mail from a XXXX XXXX from comenity capital bank referring to me in my maiden name XXXX received same voice mail message, I decided to XXXX  the bank and did not recognize it. I checked my XXXX XXXX report and saw that my credit score significantly changed. Upon further review I learned that an account was opened on XX/XX/XXXX with a balance of {$5500.00}. I reached out to the bank and spoke to XXXX to whom I provided my information, she advised the address on the account is NOT MY ADDRESS so she asked me to provide my address so correspondence can be mailed to me in regards to the account. I provided my phone number and email address as well, immediately I received an email asking to confirm I requested the change. XXXX advised they would forward my case to the investigation department. I was told I would receive a letter within 90 days and the balance should be brought down to zero and should be removed from the credit bureaus if confirmed the credit card was opened fraudulently. The card has XXXX charge made on XX/XX/XXXX under " XXXX  XXXX XXXX '' in XXXX.
Product: Debt collection

I am XXXX XXXX and my XXXX had begun to fall off and when my XXXX falls off, I dont get paid, and when I dont get paid, I cant pay my bills. I have stayed in contact with Kohls Credit Center and requested numerous times for assistance and was denied that help now that the Coronavirus has hit and is affecting my business, I decided on XX/XX/XXXX to make another stab at it and contact them once again. I informed the representative the problem and the only response that I could get was that in order to assist me i would have to pay the past due in full and then they could help me with the past due being XXXX, I explained that if I had the XXXX I would not need the assistance and now that the county was in a Global Emergency all credit card companies were supposed to lower the interest rates, and work with customers any way possible, anything to assist them in bringing their accounts current, skipping a payment due, lowering the payments and many other suggestions have been on the news. However They did not offer me anything and I told them what I could pay and the rep stated that they would continue to contact me in order to collect the debt. I have fully told them on numerous occasions I knew I owed it and have had the credit line since XXXX, never asked for assistance before now usually if I missed a payment I payed double the next time around but this time I have not had much luck with them and I have other creditors but Kohls is the only ones so far that would not agree to work with me. Furthermore, unbeknownst to me I was not told that day that the account has already been closed and was not offered any assistance with the closure other than the same thing and I told them that they would get what they get because now that we are in a national emergency. The next thing I knew is I get my monthly statement stating my account has been closed and the past due was / is due immediately and then I got a letter in addition to the statement demanding the past due of XXXX within 30 days and if not paid the whole balance could be called due and payable then. We are in a global state of emergency and it is awful that the news stations and internet news advises a person to contact their creditor but what do you do when the creditor refuses to work with the customer regardless of any past due situations and I also understood that no accounts were to be closed either. I have attached both the letter and statement for your reords
Product: Credit card or prepaid card

I have been trying to pay several Comenity Bank cards since Thursday. They keep telling me their system is down. I tried to call today and the message said they were closed for the day. I am worried about getting late fees for a problem that is not mine. It was for my XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, All Rewards XXXXXXXX XXXX XXXX IKEA cards. The payments are due on or around the first of XXXX. Are they having a problem or do I need to worry?
Product: Credit reporting

Filed an online dispute with Transunion in regards to a XXXX to update the balance as it was incorrect. Account balance was showing $ XXXX+ when I paid it down toa {$0.00} balance in XXXX 2015. The investigation results came back and stated the account was deleted. This is not what I asked for them to investigate. They deleted a very good standing credit account on my credit profile and need it to be added back on.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of 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

I have reached out to Experian, XXXX, and XXXX numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX and XXXX XXXX. Both of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail. Being that they never completed a thermal investigation, XXXX, reported that I was late in XXXX up and till XXXX. When I requested for the account to be close numerous times by phone and mail. The requests was made XXXX for XXXX XXXX to close the account. I requested that a final bill/statement be sent to me so I can make prompt payment. No final bill was received to which finger hut reported me late. I have requested all the credit bureaus to investigate this dispute. They have failed to provide any results of the investigations or responses that XXXX may have made to justify them for reporting me late. None of the bureaus fulfilled their duty as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX stating I was interested in buying a car which is very untrue. I have 3 vehicle and not looking to purchase another. I never contacted these people to buy a car nor spoke with anyone to do so. This is fraud and I have an alert on my credit report due to being a victim of fraud by my ex husband. Theses inquiries need to be investigated and charges filed and a law suit against the company if they done it on their on! They need to remove this from my credit report!
Product: Debt collection

I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) ( Section  XXXX  ) and   XXXX   XXXX    XXXX  Administrative Code ( section  XXXX  ).   XXXX   XXXX    XXXX  regulations require all debt collectors to send specific written documentation verifying the debt. Under section  XXXX  of the Rules of the   XXXX   XXXX   XXXX   XXXX  , verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge I dispute this debt because I DO NOT OWE THE DEBT nor RECOGNIZE SUCH DEBT, and I never received such service for which I 'm being charged in the first place.   Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported this debt to the credit reporting agencies PLEASE NOTIFY THE CREDIT REPORTING AGENCIES THAT THE DEBT IS BEING DISPUTED AND/OR DELETE THE TRADELINE FROM MY CREDIT REPORT. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act.   Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the  XXXX    XXXX   XXXX   XXXX   ( section  XXXX  ) require that you honor this request. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Accounts XXXX ; XXXX ; XXXXare duplicate 10 year old accounts that report payments received in 2016 not by me, to re age accounts and have not giving proper method of verification of inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. I sent an mail regarding inquires on my credit report, receives no answer. Today XX/XX/2022, I called Experian to follow on the inquires that I don't recognize, I've contact the company and there is no account connect/ open with them. I was told by the Experian agent they can help remove the inquires. This is after I explain to them and i had a fault alert on my account this year for possible identity theft. 

For there call log the call was made to XXXX XXXX XXXX and the last XXXX mins and at XXXX XXXX. 


The inquires not to be remove on my account are : 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

I received an alert on XX/XX/XXXX through XXXX  that Creditor - XXXX ( XXXX XXXX XXXX  ) has reported my account to them as " Chapter XXXX Bankruptcy ''. XXXX  immediately marked the account as " closed '' and my score dropped significantly. I filed this dispute through XXXX  stating that this account was never included in my bankruptcy as this account never existed when I filed in XXXX of XXXX. This account. I requested that they look into this, because it was not only is this inaccurate information, but they are also falsifying information on my credit report and hurting my credit ability as I am in the process of applying to rental properties and the type of work that I do requires me to keep a clean credit record as much as possible. I called the XXXX XXXX  Company on XX/XX/XXXX and they did not show that the account was in such status.They advised the the account was past due {$76.00}, and I went online and paid {$80.00}. Days later I received another alert that my Kohl 's another account ( only reported by XXXX ) was now closed and the account was marked as " Chapter XXXX bankruptcy ''. My scores then dropped significantly. This account was also never opened until after discharge date. I confirmed with Kohl 's that my account was current and in good standing. I am not sure what XXXX is up to, but they are tarnished my credibility as far as my scores and credit report. My scores dropped well over 50-60 points because of this false information. Three years later ( after making every effort to regain my credibility of having filed bankruptcy in XXXX ) XXXX  would decide to add such a derogatory and inaccurate status to my report and cause great damage. My dispute returned from XXXX XXXX XXXX via XXXX  and the changes they claim to have made did not change. Dates are still incorrect, the bankruptcy chapter XXXX is still listed on my report and the account balance is incorrect. How could this company be so dishonest? I requested that the account be removed since it is reporting closed and inaccurate status and this was also not done. While Kohl has confirmed that XXXX  is also reporting inaccurate information and that my account is indeed current and in good standing, I now have to file a dispute with Kohl 's. This is AWFUL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account with TransUnion, XXXX, and XXXX. They are reporting child support on my personal credit from Arkansas and another one from an account Listed as XXXX. I called both of those agencies and gave them my personal information to see what could possibly be going on because none of my children have ever been paid child support. Those Companies didnt have any matching information with my name, social, or date of birth. Public records have the wrong person in their system and the credit bureaus have done a terrible job of investigating to find the solution to this matter