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

XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX  XXXX account ( # XXXX ) on my credit reports with Experian and XXXX. This account has been sold to a third-party company without my consent, which constitutes a breach of privacy. Furthermore, the reporting on this account is inaccurate and inconsistent, and I demand its immediate removal from all credit reporting agencies. 

Issues Identified 1. Unauthorized Sale and Privacy Violation : The account was sold to a third-party company without my consent, constituting a breach of my privacy rights. I did not authorize the sale or transfer of this account.

2. Inaccurate Reporting : Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Debt Status on XXXX : XXXX inaccurately reports that the debt is not satisfied, despite being legally settled. 
Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These inconsistencies and errors are misleading and damaging to my credit profile. 

Violations and Impact The presence of this account, along with its inaccurate and unauthorized reporting, indicates significant issues in the handling of my personal information and credit data. The discrepancies in the reported dates and debt status, as well as the unauthorized sale of the account, violate my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to a third party without my consent is a clear violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.
Product: Debt collection

This medical bill was never received by me because XXXX XXXX XXXX admitted they did not have an accurate address for billing, even though I submitted proof of current address on admission to the ER in XXXX and our insurance company which paid most of the bill provided them our current address. When I realized the bill was due via my insurance company ( not through an actual provider bill ), I reached out to them for payment, but they refused to accept it. I subsequently received the bill owed to collections. My file number when I tried to work with XXXX 's billing is XXXX. They apologized for the address issue and acknowledged to me on the phone that this shouldn't have been sent to collections. This bill should never have been sent to collections due to the error in address and no indication to me that a bill was due. XXXX 's refusal to accept payment was also indicative that this process was flawed as the bill could have been paid a long time ago. We have paid the bill to collections ( our only option ) but filed a dispute with them and have the billing complaint on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This account is incomplete. there is no phone number for the furnisher. please delete this account from my credit report.
Product: Credit reporting or other personal consumer reports

I have disputed information on my credit XXXX XXXX XXXX XXXX, yet experian still reports these items knowingly this item is in an identity theft report and I have not contracts with this company I would like it removed from my credit report
Product: Credit reporting or other personal consumer reports

TransUnion after sending you hard evidence does not want to remove the information of an Inquired made to me fraudulently and without my authorization.
Product: Credit card

My account with Barclay US Credit card XXXX XXXX XXXXXXXX XXXX XXXX. 
Statement dated XXXX XXXX to XX/XX/year> Balance was {$3300.00} and an {$3300.00} was paid on the due date ( for reason unknown I paid {$82.00} less ) and I incurred interest of {$54.00} the next month. The Supervisor explained me and that's what I understood that I was charged interest on the whole amount of {$3300.00} of which they received {$3300.00} on the due date. Although I was credited {$54.00} back to my account and I closed that account but I feel this is highway robbery. When the Banks or my credit Balance with the credit cards must also carry the same way of calculation method and I should be paid. 
The credit card companies must be asked to explain their interest calculation method before issuing credit card and explaining to the consumer. They should not be allowed to rob people. I demand all the interest back
Product: Checking or savings account

XX/XX/2022 This complaint comes to your attention due to the unfair business practices of First Tech Federal Credit Union ( XXXX, Or ) https : XXXX. I previously had a good-standing business relationship and held XXXX ( XXXX ) accounts with this financial institution until recently in XX/XX/2022 when I began to fall behind on a credit card issued by the bank. 

My Complaint : Due to missed payments on my credit card account on XX/XX/2022 First Tech withdrew {$510.00} from my personal checking account ( without consent ) which overdrew my account $ XXXX. I then requested them to close the credit card along with my personal checking, saving, business checking, and business savings accounts. However, because my payroll was about to deposit, they could not close my personal checking and saving account until after it posted. On XX/XX/XXXX I went into a shared branch location and was able to withdraw my payroll. 

As retribution First Tech disabled my online banking to prevent me from seeing any activity or download any banking statements. In addition, to freezing my personal checking/saving accounts preventing me from transferring or withdraw my funds. My concern is that I can not withdraw recently deposited 401K funds ( {$2000.00} ) in my savings account that I have paid taxes on and First Tech is holding these funds in abeyance to satisfy a credit card account that I have previously closed because on the initial {$510.00} that was taken from me! I should not be subjected to any federal penalties for my 401K if I did not use the funds or give permission to First Tech to take the funds? In conclusion my state tax refund is going to be deposited into my personal checking account that I have no visibility into nor will be able to access.
Product: Debt collection

Portfolio Recovery Associates sued me on XX/XX/XXXX utilizing address I had not lived at since XX/XX/XXXX; the original creditor never had this address on the account. The received judgement and garnishment. On XX/XX/XXXX the XXXX Municipal Court in court case XXXX the order was vacated all money received from garnishment was to be returned to me. In a recorded conversation with Portfolio Recovery Associates in the month of XX/XX/XXXX agreed to dismiss and settle the case as paid and remove it off my credit. In XX/XX/XXXX, I noticed the case was listed on my credit report and disputed the case, Portfolio Recovery Associates then mailed me documents showing payments in the amount of {$450.00} made on XX/XX/XXXX and XX/XX/XXXX that they did not return and placed on the account. I have tried to discuss this with them on XX/XX/XXXX, they state they have no court documents and do not have anything showing the court case or that the case was settled and the money was to be returned. Additionally, the balance shown on my credit report is only for {$130.00} not the original amount of {$1000.00} or the XXXX they state the balance is after ignoring a vacated court order and keeping the garnished payments received.
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the ongoing and unresolved issues with fraudulent items that continue to appear on my credit report. Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. 

To provide context, I first identified the presence of fraudulent items on my credit report. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the inaccuracies. 

Here is a summary of the actions I have taken in my endeavor to address this issue : I promptly contacted your agency and filed a dispute regarding the fraudulent items. I submitted all necessary documentation to substantiate my claims, which included evidence of the fraud and any relevant police reports. 

After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries, during which I was informed that the investigation was still ongoing. 

Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. 

I have persistently attempted to communicate with your agency 's customer service department via phone and email to inquire about the status of my dispute, yet I have not received a satisfactory response. 

Despite my repeated efforts to rectify this situation, the fraudulent items persist on my credit report, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. 

I understand the importance of accurate credit reporting, and I firmly believe that your agency has a responsibility to ensure the correctness and integrity of the information within my credit file. Therefore, I respectfully request the following : A thorough and expedited reevaluation of the fraudulent items on my credit report. 

Immediate correction of the inaccuracies by removing the fraudulent items from my credit report.

A detailed written response that outlines the results of the investigation and the steps taken to rectify my credit report.

Assurance that measures will be put in place to prevent future occurrences of such inaccuracies. 

I anticipate a prompt and meaningful response to this formal complaint within the exact time frame from the date of this letter. Should my concerns not be adequately addressed, I may need to pursue legal remedies to rectify this matter. I am asking for your assistance to remove the inaccurate items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$530.00} XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/year> {$31000.00} XXXX XXXX XXXX XX/XX/year> {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Debt collection

XXXX XXXX XXXX has violated my rights under federal law by reporting a collection account on my credit report without first supplying a 30 day notice of my right to dispute. This is a direct violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Lexis Nexus, I wrote you previously regarding my personal information being gathered by you and shared to third party consumer reporting agencies. You are violating my rights to privacy by collecting my personal information without my express written consent and sharing my personal information to third party companies. I have proof that the bankruptcy court doesn't report any of my personal information to third parties proving you obtained my information without a permissible purpose. I sent a document to you via certified mailed with the tracking number USPS XXXX on XX/XX/2021 and haven't received a response yet.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items 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 is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I NEVER OBTAINED A LOAN FROM THIS COMPANY AND THEY ARE REFUSING TO HELP AND REMOVE THE NEG REPORTING OF INFO FROM THE CREDIT BUREAUS
Product: Money transfer, virtual currency, or money service

I made a purchase of merchandise costing {$500.00} and was told to send the money via XXXX on XX/XX/2019. Once this was done and verified the recipient was unreachable. I called my bank and they informed me that there was nothing that they could do And told me to contact XXXX. They said that we could do a dispute but there was no guarantee that it would go in my favor.
Product: Mortgage

Pnc just purchased our mortgage from XXXX XXXX in XXXX XXXX. Every ince we started this loan I have always been XXXX payment a head. Started paying on this mortgage XXXX XXXX. The first payment was not due until XXXX XXXX we have never missed a payment. In XXXX I had a dispute about repairs that need to be done on a dump truck and trailer I drive. I informed him that I could no llonger safely drive vehicle until repairs were made.well h not only just replaced me but refused to pay the money he owed me almost XXXX but that the way things can go. So I made some adjustments to get but and XXXX was to not be a month ahead on mortgage for awhile Pnc has done nothing but harass me and my XXXX XXXX XXXX mother in law. I explained to them what i did and told them to go back over the history of our loan and send me a copy. Well they only go back to XXXX so they cant see that i started paying on this mortgage 1 month early and I have also made another extra payment to come of the principal.
Product: Student loan

Mohela student loan provider shows me owing XXXX. I attended XXXX XXXX, XXXX online from XXXX to XXXX and graduated in XXXX of XXXX. I never lived on a college campus and XXXX never gave refunds but I do not remember every getting a loan over XXXX during a session. 

I have applied for XXXX and was denied even though I have worked 15 years for a State Agency and my application was submitted during the time when XXXX XXXX was waiving the requirement where we needed to have 10 years of payments. I kept my loans in forbearance and deferment because I earn XXXX. Per year and can't pay XXXX a month in student loans. I want my loan profile reviewed and validated. 
Also, I applied for the Borrowers Defense Relief but I was denied because I live in Texas where the attorney General who was just impeached for abuse of power did not sign on to take part in the class action lawsuit that provides relief for students that were victims of schools like XXXX  that guaranteed employment for its graduates and failed to create the supportive career services that we were promised. 
I worked for temp agencies for a few years after I graduated before I got a full-time job. 

I just want Mohela  to review my case and explain how I can have XXXX loans ranging from {$48.00}. to XXXX, XXXX, XXXX, XXXX, with the highest being XXXX. Also the dates range from XXXX to XXXX. If my loan server was worth the money they make to service my loan the would review this ridiculous amount of money that the are telling the world I owe. An education that costs XXXX should belong to a XXXX surgeon or a CEO of a fortune XXXX with an XXXX XXXX stamp. I am angry, disturbed. And discouraged.
Product: Checking or savings account

XX/XX/2022, I opened an 2 year CD with Bread XXXX in the amount of {$40000.00}. The next day I called to see if I could cancel the CD. The customer rep said I could because the funds have not been transferred and he cancelled the CD. A few days later I check the account which I do have another CD with Bread Savings and saw that the account had been funded and the CD opened. I thought I had been too late to cancel the CD. This was not a problem for me. I would leave the CD for the 2 year period. A few weeks later I checked my 2 CD accounts and there was only one. I then checked my bank account in which I had funded the CDs with. Bread XXXX had refunded my account with {$39000.00}. They had charge me with the penalty of {$590.00}. I called Bread XXXX and explained that the CD should have be left opened or the full amount should have been returned. The Cust rep referred it to another group and said they would contact me. A few days later They said based on there investigation no errors were made. I have been emailing them using Bread XXXX 's Site. They will not respond anymore.
Product: Credit card

please remove dillard card off my credit report. this is not my credit card. this is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating back to 2015, I was a victim as were several others as prolific identity theft through at uncontrolled mail room. I alerted Equifax and XXXX or XXXX of my status of having my identity stolen and have been on dozens of calls many promising unreturned phone calls since then. I utilized the CPA, specifically 15 U.S. Code 1681c-2 with all the relevant and required information and a block on my identity stolen XXXX account XXXX. This block was later removed at the request of the creditor and I have called or disputed this account no less than 12 times since then. 

All creditors have an incentive to hold the consumer responsible for charges, less they have no hope of recovering them. This is why the after mentioned statute does not even mention the creditors opinion but instead sets out three criteria in which the CRA can remove a block, none of which apply to me. The black was nearly removed at the creditors request without an investigation by Equifax and I was not informed of any of this, thus violating point 2 of the aforementioned statute. They refuse to reinstitute the block in four days as prescribed, and instead continue to run disputes of 30 days, which the creditor denies and this it remains on my credit report. 

This is especially troubling, because I'm trying to buy at home and the difference in the credit scores between the different agencies vary by over 100 points affecting my rates significantly. I've received no communication about why the black was removed of which there are only three reasons in which it should be and none of them have to do with just the creditors biased opinion but with facts that could be relayed by the creditor but must have been communicated to me in a timely manner and still cant be communicated every time I call except with a the biased creditor asked us to. I demand that this consumer protectection statute be observed and this XXXX account be removed from my Equifax report as it has been by the other major agencies. 

Equifax has been in violation of sections ( b ) and ( 2 ) and has been through multiple complaints. The statute places all the onus on the CRA and not the creditor and their refusal to comply has passed every reasonable time line. I expect this issue to be resolved immediately, unless they can show ( 1 ) ( A, B, or C ) yet I have received no communication from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I graduated from my bachelors and masters program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but XXXX serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted XXXX in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for XXXX for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with XXXX and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to XXXX in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX,  my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.