23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The collector, Credit Management , LP, never notified me in writing, nor delivered a telephone call or voicemail when issuing an intentionally damaging claim on my credit report. They claim it was on behalf of XXXX XXXX, MN, who never gave me written notice or telephone notice of a debt. They never returned a call and had no idea why I was issued a debt nor sent to collections. 

I never received any notice other than a negative notification by XXXX.It was XXXX bank who were able to get me the number of the misconduct filled collector. I have also never received a receipt from them over two months after they promised full payment would guarantee removal from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX  accounts XXXX, Transunion and XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 168c. ( a ) ( 5 ) Section States : No consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 2 A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I am a victim of Identity theft accounts below do not belong to me. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 GM Financial with whom me and my husband had a joint loan for XXXX XXXX XXXX paid the pain in the mail, the check wasnt received. We found out next month the payment hadnt been received, made a double payment. GM removed the late charge and said they would remove the 30 day late on our credit report but since have not done so. My husband and I have called them and sent many letters. We feel GM is acting unreasonable in the situation since we had great payments before and after that event. Always paying online now. We also opened a new loan with them in XXXX. The mark of 30 days late on our credit is very damaging and need some help. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$380.00} XX/XX/2023 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Mortgage company violated several Federal laws which is attached to this complaint. 
I have included my DL for verification which has my current address.
Product: Credit reporting or other personal consumer reports

57 addresses are coming up under my name and other peoples name that are similar to mine are tied to me that are not me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, michigan, XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Regarding Inaccurate Information on Credit Report Violation of FCRA 15 U.S.C. 1681i Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information that has been reported on my credit reports from the major credit bureaus. Under **FCRA 15 U.S.C. 1681i**, I am entitled to have any erroneous or unverifiable information corrected or removed from my credit report. 
I have identified the following inaccurate information, which appears differently across the three major credit bureaus ( Equifax, XXXX, and XXXX ) : SXXXX XXXX XXXX  **Account Number** : XXXX **Discrepancy** : The status of this Account on XXXX says and paid closed. {$530.00} written off. But on Equifax the status of this account says just Charge off then on XXXX the status of this account says payment after charge off/Collection. Then the status update says XX/XX/2024 on XXXX. On Equifax the status Updated says XXXX XXXX  but on XXXX the status update says XX/XX/2024 the balance Update doesnt have a date on XXXX and on Equifax the balance update is XX/XX/2024 but on XXXX the balance Update is XX/XX/2024 and the Address to XXXX XXXX XXXX is different across all 3 Credit bureaus.

This information has negatively impacted my credit score, and I believe it to be inaccurate and in violation of the FCRA 's requirement that information must be reported consistently and accurately by all credit bureaus. As a consumer, I am requesting an investigation into this matter and that any unverifiable or inconsistent information be removed or corrected.
In accordance with **FCRA 15 U.S.C. 1681i**, I kindly request that the CFPB intervene in this matter and take appropriate action to ensure that my rights under the FCRA are upheld. Please provide a written response detailing the actions taken by the CFPB and the credit bureaus to resolve this issue.

I have attached copies of my credit reports, along with any supporting documentation, to assist in your investigation. Please feel free to contact me if further information is required.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door wouldn't close ( physically close ) so we had to take turns sleeping and watching the door. It was an ordeal. This was reported several times to reception, but was never addressed and we had to leave asap next morning and find ( and pay at higher rates since it was at the last moment ) for another hotel. I submitted a dispute through Citi Bank for partial credit ( 1 night out of 2 ), since Hotel refused to refund us. Citi had our backs ( thank you Citi! ) and resolved the dispute in our favor. Again, for partial credit, not the whole amount since I'm not trying to scam anybody. However, I received a very confusing letter a few days ago asking for signature and to provide proof. I'm not sure what I'm supposed to sign or provide, if I had already provided my statement when I submitted my dispute and Citi already resolved the dispute in my favor permanently ( not temporarily ) and sent me a letter stating the matter was closed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Employer - XXXX Incorrect Previous Address XXXX XXXX XXXX, XXXX, NY XXXX Employer - XXXX XXXX XXXX Incorrect Name and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} THE LIST ABOVE OF THE ACCOUNTS, Have violated my written instructions, confidentiality under 1681. With inaccurate information.
Product: Student loan

I have several student loans with SallieMae currently totaling over {$1100.00}. When paired up with my federal loans I am paying over {$1300.00} out of my roughly {$2000.00} in monthly earnings. Long story short, after factoring in living expenses I am spending more than I make and have been compensating by using some money from savings to help with my loan payments over the past several months. This is money that I reserve for special circumstances ( medical, auto ) and even if I 'm lucky enough to not have an emergency need, the fact that I 'm constantly taking out more than I 'm putting in means at this rate I will go into default on my loans at some point. Knowing this I attempted to call SallieMae today to inquire about an interest rate reduction program that I 've heard they offer to clients who are having financial troubles. I was frustrated to find out that they only offer this plan to clients who have already gone into default on their payments ( which to my understanding would not be good for my credit score either ). So basically I need to keep doing what I 'm doing and until the money runs out and SallieMae actually helps. It is extremely upsetting that I can tell them ahead of time and prove with my finances that I 'm headed for trouble yet they wo n't throw me a lifeline until I 'm actually drowning.
Product: Checking or savings account

My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.
Product: Credit card or prepaid card

Card charges from XXXX XXXX XXXX XXXX XXXX  disputed beginning in XX/XX/2022. Charges of XXXX ( XXXX and XXXX deposit and completion of installation ) and XXXX for installation of XXXX XXXX units are disputed due to XXXX XXXX XXXX XXXX XXXX  failure to provide required service on Warrantied units as per contract. Damage to our home have occurred on 2 occasions due to sub-par or no maintenance which is covered under Service Contract. XXXX XXXXXXXX XXXX XXXX XXXX  Warranty and Maintenance Plan clearly states " We perform a comprehensive tune up twice a year and they will replace units under their 2 year satisfaction agreement ''. 

All charges were disputed starting in XXXX and XXXX and I have supplied all documentation requested by Capital One on 3 separate occasions, including an affidavit from the XXXX XXXX XXXX and XXXX XXXX Building Inspector and also an Independent Contractor. The merchant is dishonest and in fact his State License is being taken due to failures in our systems and other clients with similar code violations. I have supplied documentation requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in writing and 5 calls have been made with Capital One. Also documents have been supplied via download links XX/XX/XXXX and again XX/XX/XXXX. All requested documents including the Independent Contractor ( XXXX XXXX XXXX XXXX  ) have been supplied to Capital One. XXXX XXXXXXXX XXXX XXXX XXXX  violated both their Guarantee and Warranties and also the law in this state by failure to request permits for installation of the XXXX units.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XX/XX/XXXX Southwest Credit XXXX Re : Credit Report Dispute - Violation of FCRA Section 1681o Dear Sir/Madam, I am writing to formally dispute an error that appears on my credit report issued by your agency. I have identified inaccurate and misleading information that I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which pertains to civil liability for negligence. 

The disputed item is as follows : Account Number XXXX Date of collection XX/XX/XXXX I believe this information is erroneous due to inaccuracy as well as failure to obtain information regarding original ownership, history of account and my signature showing ownership of this debt.This is a clear case of negligence under the FCRA, where the credit reporting agency has failed to ensure the accuracy and completeness of the information that has been reported on my credit file. The inaccuracies are damaging to my creditworthiness, and I request that you correct this error promptly to comply with the statutory requirements of the FCRA. 

In accordance with the FCRA, I ask that you : 1. Investigate and verify the accuracy of the disputed information.

2. Remove or correct any inaccurate or incomplete data as mandated by Section 1681i, and notify me of the results of the investigation within 30 days.

3. As provided under Section 1681o, I am requesting appropriate compensation for any damages that I have suffered as a result of your negligence in maintaining inaccurate information. 

Please provide me with a written response indicating the results of your investigation. If any of the disputed information can not be verified, I expect it to be deleted or corrected as required by law. 

Thank you for your prompt attention to this matter. I trust this will be resolved expeditiously in accordance with the provisions of the FCRA. 

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

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. 
My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap. 

XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX. XXXX XXXX XXXX XXXX These accounts need to be deleted from the credit profile.
Product: Student loan

I went to school in XXXX Arizona at the XXXX XXXX XXXX ( XXXX ) and originally had my subsidized and unsubsidized direct student loans through XXXX XXXX before they transferred all federal student loans to Navient. Navient always gave me bad information. When I graduated I asked to have my loan payments reduced and all they offered was forbearance until I could afford the payments. They never told me about a payment plan until many years later when Obama extended payments to 25 years. That was all they offered me. When I asked about forgiveness they told me that I needed 120 payments before I was eligible for it. When I made the 120 payments, then they referred me to a website that said I needed to be in a Direct student loan program for 10 years or 120 payments before I could get forgiveness. For years they would never tell me how much my total student loan was for including the interest, then one day it appeared on their website in 2017 for the first time and now it is gone again. My total loan was $ XXXX, which is way more than the school tuition had started out as $ XXXX per year. Right now I owe about $ XXXX. XXXX received all the checks from the Federal government and kept on raising the price and applying applicable fees. Everytime I questioned the payments they would be talk in circles about the provider, servicer, handler, and other individuals that were to be paid by my loan. I kept feeling like they were robbing me blind, but always had some strange excuse for where the money was going, but never provided any detail to who was receiving all this money. Now I am stuck with this massive bill that could not get me a job with this XXXX XXXX XXXX and I am looking to retire next year with this big debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I opened up an account which shows on my credit report as SBNASELFNRD to be reported for one year using a security deposit. This was to build my credit and get a return of the security deposit at the end of the one year period. After one year ended, instead of receiving back my security deposit when requested, the company started a new unauthorized account which showed up on my credit as SELFINC/LEAD ( XXXX XXXX ). I tried contacting them to dispute it but I could not get through to anyone. To avoid my credit being negatively affected, I made the minimum payment while trying to dispute and close the account. During this time I could not log in or create a new account online. I was out of work for a period of time in XXXX and could not continue making payment but still could not get the company to close this account. In XX/XX/XXXX, I figured out how to email Self Financial and informed them that I never authorized the account or received a statement from them. I was informed by email that its done automatically and and you have to log in to get one. I informed them that I could not log in and the number on back of the card could not reach a person not give me account details. I was also told that they closed my account back in XX/XX/XXXX and took my {$470.00} security deposit to pay for fees and late fees and that I still owed another {$170.00}. However, they lied because this account is still showing as open on my credit file, further damaging it. The {$470.00} was my money to use but the late fees came from this company who refused to close the account. I am currently still receiving invoices for fees and my credit is ruined due to this company. I was told by email that they would not remove this account from my credit report until I pay them {$170.00}. This is Fraud because I never authorized this account to be added to my credit again. I continue to receive harassment emails from this company and Im told that my it wont stop until I pay them {$170.00} and then late payments will remain on my credit file. I want this removed this from my credit file. This company commits fraud and add unauthorized charges and fees to consumers credit report. Then they refuse to work with customers in order to resolve the issue.
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 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 furnish an 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 purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX Balance {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score on credit karma and equifax is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called equifax to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.