23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has recently changed an account ( XXXX XXXX XXXX ). It was corrected in the past as account never paid late. This was finally fixed after I disputed it several times. Now XXXX  has changed it back as having a 30 day late payment. This is wrong. Ive contacted XXXX about this issue and was told by a rep that it will be corrected as this account was never paid late. XXXX keeps changing the payment status on this account. My credit score dropped 52 points due to this wrong information
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a loan back in XX/XX/XXXX never been late Also I have proof where it says that my account was paid in full and also receipts never late XX/XX/XXXX guarante loan report my account with late payment Which already my account was close my credit score drops XXXX points My loan amount XXXX $ Was open XX/XX/2022 My 3 credit bureau need to be update soon is posible Im in process to get a house
Product: Debt collection

This complaint is in regards to my old Citibank Credit Card debt, which was turned over to XXXX XXXX XXXX XXXX. I had been paying XXXX {$140.00} per month to pay down this debt. 

On XXXX XXXX, 2017, my bank ( XXXX XXXX XXXX, XXXX, MA XXXX ) sent a check to Citibank in the amount of {$2700.00}. This check should have gone to XXXX to pay off this debt in full. This check was cashed, however, by Citibank and not forwarded to XXXX. Citibank contacted by mail, XXXX XXXX XXXX, stating they needed more information regarding who the check belonged to, etc., and sent them a copy of the cashed check. XXXX tried to fix this situation and submitted the info. they requested. XXXX never heard back from them, after repeatedly trying to contact them. I also tried calling, mailing and faxing Citibank SEVERAL times, as no one I spoke to seemed to know the telephone number of the Citibank Payment Investigation Department. 

I have contacted XXXX ( XXXX XXXX at XXXX ) and explained to him the situation, that Citibank cashed the check, which should have gone to them. He was very understanding, however, they would like to receive their payment, in full. This has impacted my credit  score, as well.
Product: Debt collection

Reference is made to a letter dated XX/XX/2019 from LVNV Funding AKA ReSurgent Capital Services to you. According to the last paragraph of the letter upon receipt of full payment of the accounts the status of the accounts will be changed to Settled in Full and a request to update the account will be submitted all Credit Bureaus indicating this Account is Paid in Full for Less than the Full Balance. 

In addition, pursuant to your letter to the Consumer Financial Protection Bureau you agreed to remove these accounts from Collection Status upon satisfaction of the agreed settlement agreements. These accounts have been settled and you or your third-party agents have received payments in full. I can provide necessary documents if required. LVNV has yet to respond to my fax/letter attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Navient many times after XXXX discharged this issue on the complaint XXXX. Last contact date to Navient was XX/XX/XXXX. They refuse to remove the late payments and Navient stated I would have to call the credit bureaus to have it removed. Navient discharged the  fraudulent account on XXXX and then sold the accounts to XXXX  in which I had to have this issue discharged with XXXX.XXXX resold it back to Navient. This issue is bouncing around after I notify them of fraud. Lastly, Navient new of this matter and they still have the discharge information from when I notified them and left the account on my profile. This matter shows currently open on my XXXX report as well as 120-180 late payments. Navient has not furnished me a promissory note to show proof of the said debt. I want the late payments removed and the accounts of debt.There are a total of 6 accounts : STUDENT LOANS DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$7800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5800.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$5100.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$4500.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$3900.00} 120+ Days Late DEPT OF ED/NAVIENTNeeds Attention Last reported : XX/XX/XXXX {$2100.00} 120+ Days Late The account was closed but still, show late payments from my complaint : XXXX. I wish to have it removed along with late payments. 
XXXX {$13000.00} Closed Overview You've paid off -34 % of your student loan amount. 
Balance {$13000.00} Highest Balance {$10000.00} Monthly payment {$0.00} Opened Unknown Term months Payment History Youve made 86 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment -- Current Payment Status In Collections/Charge-off Worst Payment Status No Info Account Details Account status Closed Type Education Loan Responsibility Individual Remarks Consumer disputes this account information Collection account Fixed rate Times 30/60/90 days late I mailed the Affidavit of truth and fact notarized on XX/XX/XXXX, copy of drivers license and social security card, the official police report # XXXX XXXX and federal trade commission identity theft report # XXXX. After they deleted it, it appears that they sold the debt to XXXX ( XXXX XXXX XXXX XXXX ) Account # : XXXX. I faxed the information to that company onXX/XX/XXXX
Product: Debt collection

American Express card charged my card {$7500.00} on XX/XX/XXXX. for an amount I did not authorize and which I disputed in XX/XX/XXXX. American Express refused to reverse the charge. 

On XX/XX/XXXX I filed an identify theft compliant on IdentifyTheft.gov ( see attached ) American Express continued to refuse to reverse the charge, charged me interest on the {$7500.00}, closed my account/refused me credit when I did not pay the {$7500.00} plus interest, submitted negative reports on this to all three major credit bureaus ( significantly damaging my otherwise perfect credit history ), had four sequential collection agencies hound me to replay, then American Express 's legal department filed a lawsuit against me, obtained a default judgment without lawfully serving me, had the sheriff unlawfully attempt to seize money from a XXXX XXXX XXXX XXXX account not in my name for which I am only the trustee for other beneficiaries, and still refused to reverse the charge and interest or stop trying to pursue the lawsuit and default judgment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint in regards to disputes that were sent over 45 days ago regarding inaccurate and erroneous information reporting on my credit file. These disputes were sent to XXXX XXXX, Equifax, Experian, XXXX XXXX XXXX, XXXX, XXXX XXXX, National Credit Adjusters and XXXX XXXX XXXX XXXX XXXX XXXX. 

They all have failed to respond and comply with my request under the FDCPA and FCRA laws. I am very disappointed at their lack of effort to investigate this matter. I understand and are aware of my rights to request another investigation, however I do not have another 30 days to spare for investigative results. 

I am in the process of moving, and I have to find a place within two weeks and this is really affecting my ability to get approved for a home loan and even a rental apartment. 

If you can expedite this request to look into this matter for me, I would really appreciate it. 

Thank you in advance.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally lodge a complaint against Experian for failing to conduct a reasonable investigation of my credit report disputes. I contacted Experian and requested verification and correction of several items on my credit report that I believe to be inaccurate or incomplete. 

However, each time I submitted a dispute, Experian responded within XXXX minutes indicating that the disputed items were verified without any clear evidence of a legitimate investigation. This extremely short response time leads me to believe that Experian did not conduct a thorough review of the information I provided, nor did they properly contact the furnishers or investigate the accounts in question. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. Experians actions suggest non-compliance with these requirements, which may have caused ongoing harm to my credit standing and financial well-being. 

Therefore, I am requesting that the CFPB : Investigate Experians dispute handling practices to determine whether they are meeting their legal obligations under the FCRA. 
Require Experian to provide evidence of how they verified the disputed accounts and the specific steps taken in their investigation. 
Instruct Experian to properly reinvestigate my disputed items, update my credit report accurately, and provide timely written confirmation of any corrections.

Thank you for your time and attention to this matter. I am available to provide any additional information you may need to assist in your investigation.

Sincerely
Product: Payday loan, title loan, or personal loan

I have had several loans with this company and have had XXXX problems until recently. All of my payments have been paid on time and none were missed. I began contacting the company in early XX/XX/XXXX because I found that I would be with almost no paycheck for the next 3 to 4 months. I did not receive a response from the company until a payment bounced on XX/XX/XXXX. At that point they immediately started calling. My goal ( in early XX/XX/XXXX ) was to let them know of my situation and set up an alternate payment option. I currently pay 98 % interest on this loan and it was to be paid off in XX/XX/XXXX. I do not know what the balance is so I requested information from XXXX  and received nothing. At that point the phone calls escalated so I asked them to correspond with me via email so everything was documented. Then I started receiving emails from " XXXX '' and he stated in an email that my balance was small so pay it or not. ( Emails attached ). On the email of XX/XX/XXXX XXXX discusses my excellent payment history. So again on XX/XX/XXXX the harassment starts again. I searched reviews for this company and have attached a few.. One client supposedly was going to have XXXX show up at his church. True or not who knows but I have recently had people show up on our security system who should not be there. Maybe Zingo maybe not but I have sent the footage to the XXXX  County Sheriff. I have been told by XXXX that they will pursue every legal means to collect the money. I again am not defaulting on anything I am trying to set up a suitable payment plan but am getting zero cooperation from Zingo they just want to pursue collection action. All I am trying to do is set up payment plan and a check will be mailed to them.
Product: Student loan

When I obtanied this loan in XXXX XXXX 2007 from Suntrust I was attending XXXX XXXX XXXX. The loan was a joint loan with myself and XXXX XXXX. The loan was suppose to have been put into forebarance and then a defferment due to me still attending school. I have other student loans that are in defferment due to me being in school as well. When I contacted Suntrust about the loan being in defferment they told me that it was.This loan has been reporting very negativley on all three credit reports and I would like the information to be removed. On my credit report it is reporting that I was late and I was not due the fact that the loan itself was suppose to be put into defferment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX # 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 instruction
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

I received a call from XXXX stating I owe them a payment. I told them I don't have car loan with you, I have been paying XXXX XXXX in XXXX for a year or so. XXXX stated that XXXX XXXX sold my account to them and that me or my son was to start paying them. I said I was never told that such account was sold to anyone and secondly, the account you have is a fraudulent because my son and I don't have an account with XXXX XXXX and I never had an car loan agreement with my son so whatever account you have with my son and my name on it is fraudulent and not mine nor my son 's. My son never signed any papers to be a cosigner with me on any car loan. I always make it clear to anyone when looking to purchase a car that if a cosigner is needed I would not be purchasing a vehicle. I was assured that a cosigner was not needed and I read everything I signed. I would never put my XXXX XXXX son on any loan with me. XXXX stated my son is a cosigner for this XXXX XXXX XXXX car loan. I stated he is not and any signatures of my son 's name on any such agreement wasn't his and is fraud and I requested proof of the original loan and whether their lawyer has looked over this car loan agreement to see if it is legit which I knew otherwise that it wasn't and they hadn't but I requested a copy and proof of this information both from XXXX and Experian and the other XXXX XXXX credit reporting bureaus. This vehicle loan reported information was removed from both mine and my son 's credit file with XXXX and XXXX, but not from Experian and XXXX XXXX XXXX XXXX who both refuse to stop reporting it or remove it. XXXX then turn around and sells this fraudulent account they say is ours to another collection agency who continues to harass us with letters and calls to pay this remaining debt even though XXXX refuse to pick up the vehicle and told me to sell it to a car dealership and they released the title and it was sold to XXXX the dealership on XX/XX/XXXX at their request. XXXX reported this vehicle payments as being late at least XXXX times on my credit file with Experian after failing to come pick up the vehicle during the Pandemic in XXXX, XXXX, after the last payment was paid the beginning of XXXX, XXXX. I never was late. XXXX even stated on my Experian credit file that I paid as agreed. How can you pay as agreed and be late. This loan was reported late after XXXX refused after several requests to pick of said vehicle for over XXXX months. After finding out a year later that the car loan agreement had false signatures and fraud was committed by the original seller, XXXX XXXX of XXXX and the account was sold to XXXX, I wanted no dealings with neither parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 have requested validation of this account beginning XX/XX/2021 with a follow up on XX/XX/2021. I have not received any response. Ive enclosed both letters as well as a copy of the credit bureau report to show other issues with this alleged account.

1 ) This account was never verified by me- comments say dispute resolved 2 ) Comments state that this account was sold to XXXX XXXX XXXX- which in that case, this should not be reporting as a derogatory account that has incomplete and inaccurate information.

3 ) I was never informed of this account to have any opportunity to dispute or valid it prior to them reporting this on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Entrata ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Entrata and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

Good Afternoon, I am filing a complaint against Navient. My student loans have fallen behind due to covid and financial difficulties. In their attempts to collect on this debt they constantly call my family, friends, references, in an attempt to both locate me and pressure me to pay money I dont have. ON XX/XX/XXXX I called them and told them specifically that they could not contact my family or friends. they had my contact information and address and knew where and how to find me. they continue to call my family leaving information that is private and personal in regards to my status with Navient and I desperately ask the CFPB to help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

I received two emails around XXXX on XX/XX/XXXX from Capital One that there was a checking account opened in my name that I myself didnt open. I already called them and they said theyd deactivate the account. Ive also contacted XXXX XXXX, XXXX, and XXXX to freeze my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am requesting this myself for you to take necessary action about the errors being reported on my Experian Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are big, XXXX liars! You claimed that you verified these items but provided no documents. I haven't heard any response from Experian and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they should DELETE from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

Office of Attorney General placed a balance and amount due on my credit report. There is no case open. There is no monthly payment and there is no amount due. This is an error and in violation of my rights. This account should be removed from all my credit reports.