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

When going to the bank to do a personnel loan I was told by my main loan officer at the bank that I had a hard inquiry that was showing since XXXX and when he printed it off for me I called the number listed. When calling I gave them my full name, last 4 of SS, and the account number. She then she ask me my mailing address, when I told her my address she stated that is not what I had on file. I then in turn told her I have lived at the current address for XXXX  years and never lived no where out side the area my whole life. I ask her what she had and she stated that she could not tell me the address on their end. She then told me that she needed me to repeat my current address, I then refused and ask her again what the address was she stated that when I could verify the address they had on their end she could go in further detail. I then told her that I had a open file with the local law enforcement due to being scammed and hacked in XXXX and will just contact them. I contacted the local office here and he has a record of all my information here and told me to file a report on this website as well. This has been such a long hard almost XXXX years. 

Date of being on my credit was XX/XX/XXXX in the amount of {$720.00}. It is stated that it was originally XXXX  ( XXXX ) then closed or charged off XX/XX/XXXX to LVNV Funding LLC ( XXXX ) opened on XX/XX/XXXX and reported to the credit reporting or collection on XX/XX/XXXX. It is stating a Owner : individual Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

When looking at my credit report on XX/XX/XXXX XXXX XXXX updated an unknown account on my Transunion Credit report. I have no knowledge of this account and I disputed it with the Credit agency as well as the creditor. This is not my account and it shows up as an unknown account on my transunion credit report. I would like this account removed ASAP as it is not accurate and not my account. According to information on my credit report it says that it has been closed since XXXX so why would there be an update in XX/XX/XXXX? This is a fraudulent account.
Product: Credit reporting or other personal consumer reports

XXXX announced that they were shutting down and all accounts including checking, savings and credit cards would be deactivated by XXXX and gave instruction on withdrawing money and paying credit card bill. I was told that needed to submit my credit card payment by adding money to my account which I couldnt because I have no card to added money to a closed account. I was told to try ach deposit I tried that as well and the deposit was rejected due to account was closed then I was told to try a wire transfer and that was rejected due to account is closed I have been trying to pay XXXX dollars for months with no luck from the company and every month they are reporting a 30 day late payment for XXXX dollars even tho they have not provided an adequate way to pay the bill. This inaccurate reporting has hurt me profile significantly
Product: Debt collection

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX and XXXX XXXX. As a valued customer, I understand the importance of maintaining timely payments, and I sincerely apologize for any inconvenience my late payments may have caused. XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Student loan

On XX/XX/year>, I applied for student loan consolidation that was denied recently by Nelnet. I would like to know if the following applies to me : Many student loan borrowers have multiple education loans, either because they borrowed repeatedly throughout college or returned to school at some point. 

If these borrowers are enrolled in an income-driven repayment plan, it can mean theyre also on multiple different timelines to forgiveness. ( Depending on the plan, borrowers can get any remaining debt excused after XXXX, XXXX or XXXX  years. ) Under the temporary policy instituted by the Biden administration, borrowers who consolidate will earn credit toward all their loans based on the one they have been paying off the longest. They will also earn credit for certain periods that previously didnt count, including some months spent in deferments or forbearances. 

This will ensure folks get the maximum number of months of credit towards student debt cancellation,
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

This account for XXXX XXXX ending in XXXX has a XXXX balance and was never late. 
An update on XX/XX/XXXX was old and from a previous months closing statement, As of XX/XX/year> this account has a XXXX balance. its had had a XXXX balance for over a month. Not sure why company reported incorrect data on XX/XX/XXXX. This account balance needs to be updated to reflect the XXXX balance. check back with XXXX XXXX. Equifax and XXXX still showing a balance. XXXX has been corrected.
Product: Student loan

Navient is not contacting my work and disrupting me during business hours, after I have asked for all communication to be via mail. I have offered several settlement options and yet they continue to call. I do not want to be disrupted at work and they are causing a back up on the phone lines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 

15 US 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 an account without my written instructions.
Product: Debt collection

The company named Frist Point Collection Resources Inc has put a collection on my XXXX  credit report for the amount of {$58.00}. However the account listed is in breach of FCRA guidelines and there for must be removed off my credit report upon being notified. The violations are as follows : *Ignoring an investigation request on XX/XX/XXXX, and again on XX/XX/XXXX through the XXXX  dispute process *Willfully reporting false information after being notified of reporting error. Errors that are currently reporting : Date Assigned is inaccurate, Status date, Date of first delinquency, Balance date * Have not received a letter notifying me of my legal right of dispute within 30 days
Product: Credit reporting or other personal consumer reports

Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting.
Product: Student loan

I have been struggling to make minimum payments on my loan since I first graduated school. I was mislead by my school about this loan they pressured me into, trying to get me to take out even more for living expenses despite me telling them no several times, and later found out I was being charged 16 % interest on my loan while I was in school, which was then capitalized on year after year. My loans are all sitting at around 12 % interest even after being told over and over on the phone that my interest rate would be lowered to .01 % if I made on time payments for 3 months. I made the payments for 3 years and got nothing in writing despite NUMEROUS requests, and no valid proof my loan interest rates were lowered. My school has now been sued ( XXXX XXXX XXXX ) and has agreed to cancel the student loan debt of students its been charged with lying to. I believe I qualify for that discharge but because of the private loan I was pressured into I have had a very difficult time getting any help with my loan. I now owe $ 56,000+ when I originally borrowed {$32000.00} and have paid around {$12000.00} since 2008. I am calling my lender and recording the call, I will advise them I am recording it and I would like to forward that call to the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a denial letter stating I have multiple delinquent accounts. However the my Report does not show any delinquent accounts.
Product: Checking or savings account

On XX/XX/2020 I went to check my transactions for the last 3 months and seen XXXX was debited from my account on XX/XX/2020. The name of the store was listed as XXXX XXXX XXXX. I immediately notified Chase Bank and informed them of the transaction that was not done by me, or authorized to do so by anyone else. I was told my funds would be in the account within 12 to 24 hours a new car would be issued the old card needed to be cancelled. I explained that I was out of town and needed to not cancel my card until I was back home and would cancel the card the following Monday upon returning. Cancelled the card on Monday did a follow up on the XXXX of XXXX, no funds were placed into my account by Chase, I called back two more times to Chase no information and again was told funds would be in the account within 24 hours. Called back XX/XX/XXXX to Chase a representative name XXXX stated my complaint was denied, informed me to notify the police and there is nothing Chase Bank could do and no information was available to support the reason of the denial. Called Chase XX/XX/XXXX spoke with XXXX a rep for Chase and was told a letter was sent of the XXXX of XXXX and again I was told I would have to get my money from the person who stole it. I was told I have Fraud Alert and Fraud Protection that notifies me when a transaction is done but did not get a notification for this large amount. Again the representatives had no explanation as to why.
Product: Debt collection

On XX/XX/2024, I sent my first letter to XXXX and XXXX requesting verification on the collections listed as Portfolio Recovery and to remove this inaccurate information from my consumer report. I sent three separate letters through certified mail on XX/XX/2024, XX/XX/2024, and XX/XX/2024 specifically asking a copy of the original documentation ( a consumer contract with my signature on it ) to verify that these accounts are mine. The credit bureaus and collection agency have failed to investigate this collection and they are choosing to remove this unwillingly and noncompliance with the FCRA law. Ive also contacted Portfolio Recovery directly requesting this information. 
The credit bureaus have failed to provide the documentation after several times of my asking. Yet, the collection agency Portfolio Recovery, is continuing to harass me by phone and text demanding for me to pay a debt that they havent provided the contract for. I do not have any recollection of these debts. This has negatively impacted my ability to receive a new job ( a credit check was ran and the collection impacted the companys ability to hire me ), my borrowing power, and so many other ways. Something has to be done about this. I am asking them to please remove this if they can not provide me with the proper signed contract. I am due justice and I look to have this resolved asap because Ive been dealing with this far too long.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter serves as a formal complaint regarding your disregard for my previous request and failure to uphold adequate procedures in your operations to ensure the highest level of accuracy in the credit reports you publish. Credit reporting regulations dictate that bureaus should only report credit information that is 100 % accurate, and every effort must be made to ensure the reported information is entirely correct. 

Please refer to my previous correspondence for the details that require further investigation. 

1. The inquiry was not authorized XXXX XXXX XXXX PLEASE REMOVE THIS FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT Under Section 611 of the FCRA, credit bureaus are required to investigate and correct any inaccurate or unauthorized information on my credit report within 30 days. Given that the stipulated time has passed without resolution, I am requesting the immediate removal of these unauthorized inquiries from my credit report.

Furthermore, under Section 604 of the FCRA, these hard inquiries could only have been conducted with my express authorization, which was never granted. Therefore, I insist that you, as a credit bureau, take the necessary steps to remove these records. 

Sincerely yours, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX Acct # XXXX has violated my rights. XXXX XXXX Acct # 1919 has violated my rights. XXXX Acct # 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), 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 creditor. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$320.00}.
Product: Credit reporting or other personal consumer reports

Please remove the following addresses as they are NON-MAILABLE addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX I instruct EXPERIAN, XXXX, and XXXX to remove these non-mailable addresses. 

Please also remove all recent hard inquiries pursuant to 15 USC 1681. Any new inquiry was an UNAUTHORIZED transaction.

Also, please remove ANY AND ALL CHARGE-OFFS from my credit report. Charge off is considered a certificate of indebtedness and is also considered income. It must be removed or updated to paid on time never late, because you can not report income. It is ILLEGAL to report transaction history! UPDATE IT TO PAID AS AGREED IMMEDIATELY. Pursuant to the PRIVACY ACT OF 1974 and FCRA ACT. 


EXPERIAN, XXXX, and XXXX is reporting INCORRECT INFORMATION. You all continue to violate my rights when I have continuously written to you to conduct investigations and provide me with proof of who and where you confirmed your information with. With that being said, I have counted well over 20 inaccuracies as far as the wrong dates, wrong amounts, incorrect remarks, and much more. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance, I am due compensation for your negligence and noncompliance to report accurate information even after investigations have been completed. Attached is proof that you continue to report inaccurate information even after I have had multiple communications with you all.
Product: Debt collection

In XX/XX/2018 this collector XXXX XXXX appeared on my credit report as a late payment. I had no idea who they was and what debt I had with them so I had to call and reach out first. Once I got in contact with this agency I was told who they brought the debt from and made it into a unsecure loan with them with past due balance of XXXX late payment of XXXX dollars. I never got one notice from this. Agency about this debt they have failed to set up a formal payment agreement and just decided to put a late payment on my credit report. My second call to them was asked for documentation of payment plan set up with them she failed to send me this information and claim the XXXX dollars is the same Payment I was paying to who they brought the debt from. Well this is invalid due to them postings this documentation they claim they sent me in the XXXX site and shows the payment was only XXXX weekly which is only XXXX monthly so the payment are wrong let alone me and this said agency did not make and agreement on a payment plan I refuse to pay this back until these late payments are taken off my credit report and Handled the correct way
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX account # XXXX opened on XX/XX/XXXX, has violated my rights. 

15 USC 1681 Section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnisha account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpuse
Product: Credit reporting or other personal consumer reports

To ensure that your company is reporting accounts 100 % accurately, I would like to know the procedures used to investigate these inaccurate accounts. Did you even conduct an investigation because it is still not reporting 100 % correctly? Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 demand you remove the inaccurate account listed on my credit report immediately! ) XXXX XXXX  XXXX XXXX XXXX want full validation of the accounts listed above including the originally signed contracts with my signature if you can not verify the accounts you must remove the accounts under FCRA Laws. 

Thanks 15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I called Transunion to address the two issues they are reporting inaccurately on my credit file and they were unable to provide information for both accounts. 

So I called the account : XXXX XXXX And ask for information which they stated it was a error and that they were sorry for the negative impact to my exceptional credit rating by wrong information reporting on Transunion. 

I then called XXXX XXXX to ask for information and was told the amount that should be reporting is {$990.00} not {$1400.00}. 

XXXX ). XXXX XXXX XXXX The amount reporting is {$3600.00} The accurate amount is {$3600.00} XXXX ). XXXXXXXX XXXX XXXX XXXX The amount reporting is {$1400.00}. 
The accurate amount is {$990.00} For both these accounts in question I request that Transunion return my score to its exceptional credit rating and rectify theses errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple names have been used to open accounts on my credit profile fraudulently.
Product: Credit reporting

Related case XXXX have forwarded a letter from XXXX XXXX XXXX XXXX confirming that they have closed their file on this trade line and have sent it equifax via certified mail. 

I have not seen this item removed or gotten any form of proper notice of investigation status or results.