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

Someone used my information to open accounts and some inquiries that I had no knowledge about XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$12.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I signed a 2 year contract with XXXX XXXX XXXX around XXXX or XXXX of XXXX. My payments were automatically drafted from my XXXX XXXX XXXX  Account for " 3 years. '' I called XXXX XXXX XXXX several times in XXXX of XXXX and in XX/XX/XXXX to cancel my service after the contract expired each time I was hung up on, and they refused to cancel the contract. One of the customer service agents told me that I called to renew my contract which is an indication to me that the young lady I spoke with falsified her notes. In XXXX of XXXX I had enough and cancelled/stopped my auto payment. then I started receiving phone calls telling me that owe {$240.00}. I services were not cancelled until I stopped paying after several attempts to cancel it my calling as they informed me this was the way to cancel it. Now I am receiving notices from Credit Collection Services stating that I owe {$270.00} to XXXX. I have disputed this debt with XXXX and Credit Collection Services. I have written letters exactly as this one informing them what happened and I feel as if I am being ignored. I requested documentation from Credit Collection Services that would substantiate the debt and the only thing they sent was a bill from XXXX. The 2 year contract I signed would better clarify this issue. the contract expired 1 year before I stopped my auto payments.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate this account : : XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute Demand for Removal of All Inaccurate, Incomplete, and Unverified Accounts To Whom It May Concern, This letter serves as my formal notice of dispute regarding multiple inaccurate, incomplete, and unverifiable accounts reported on my Innovis credit report. Upon careful review, I have identified numerous errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and demand their immediate removal. 

Additionally, I have determined that the information on my report is incomplete, does not accurately reflect my account details, and contains incorrect late payment records that must be investigated and corrected or removed immediately. 

XXXX XXXX ( Account ending in XXXX ) : Reported as a repossession and incorrectly showing late payments in 2023 even though the account was redeemed or reinstated. 
Account is listed as current with a {$0.00} balance, conflicting with reported late payments. 
Violations : 15 U.S.C. 1681e ( b ) Failure to ensure accurate and consistent reporting, and 15 U.S.C. 1681i Failure to properly investigate disputes and verify information. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Listed as charge-off with a past-due balance ( {$1600.00} ). 
Lacks proper validation and payment history, making the account incomplete. 
Violation : 15 U.S.C. 1681e ( b ) Reporting incomplete and unverifiable data. 

XXXX XXXX XXXX XXXX ( Account ending in XXXX ) : Listed as charge-off with a past-due balance ( {$11000.00} ). 
Missing proper payment history, and the last payment date ( XX/XX/year> ) conflicts with the charge-off status. 
Violation : 15 U.S.C. 1681e ( b ) Failure to ensure data completeness and accuracy. 

XXXX XXXX ( Account ending in XXXX ) : Listed as collection despite being closed on XX/XX/year>. 
Past-due balance of {$2500.00} lacks details about payment history prior to closure. 
Errors in dates and reporting timelines suggest outdated information. 
Violations : 15 U.S.C. 1681c Reporting outdated information beyond permissible time limits, and 15 U.S.C. 1681e ( b ) Failure to report complete and accurate details.

The accounts and errors listed above violate multiple provisions of the FCRA, including : 15 U.S.C. 1681i Requires a complete and thorough reinvestigation within 30 days and mandates removal of unverified or inaccurate data.

15 U.S.C. 1681e ( b ) Requires agencies to ensure maximum accuracy and completeness of reported information.

15 U.S.C. 1681c Prohibits reporting outdated or obsolete negative information beyond 7 years for most accounts. 
If these accounts are not removed and corrected within 30 days as required by law, I will pursue legal action in federal court for violations of the FCRA and seek statutory damages, punitive damages, and attorney fees for non-compliance. 

Please confirm in writing that these accounts have been removed or corrected, including the removal of all incorrect late payment history, and provide documentation verifying the actions taken. You may send your response to the address or email listed above. 

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

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I attended XXXX College ( a XXXX College ) in XXXX XXXX CA in XX/XX/XXXX and graduated in XX/XX/XXXX.I was told that employment opportunities abounded but I would be required to agree to financial aid with Genesis Lending Financial because I did n't have the funds to pay for the course through the Department of Education or my own personal finances. I gave them my life savings of {$4000.00}. I was told that I would n't have to pay anything back until after they assisted me with employment. I was pulled out of class several times and told that if I did n't pay on the loans I could not complete the courses. Genesis Lending started to call me regarding payments and I told them that I was not employed and could not pay the amount that was requested. They offered a temporary forbarence payment but I was told that the amount of the loan would continue to increase over time. I had to continue to make payments on the loans during the course of the program even though I had been told that I did n't have to start payments until after graduation. I was constantly harrassed and threatened by this lender during the time I attended XXXX College and the financial aid department at the school shared an active role in the practice and I was never informed of the high default rates of these loans or the fact that this type of loan was a private loan and not funded by the Department of Education. This predatory lender has taken advantage of me as a low income unemployed person over XXXX years of age.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question was for a personal loan that was held by XXXX XXXX XXXX. While I was deployed on XXXX XXXX XXXX sold the account to SST in XXXX of 2019. I was deployed from XXXX of 2019 to XXXX of 2019. For the first 5 months that SST held my account they made zero contact attempts. They marked my payments as late without even confirming any details with me. I made attempts to contact XXXX when I had the time during that deployment but XXXX was not able to assist me as the account was not theirs anymore. I made several attempts to call SST but I was never able to reach them. I finally got ahold of someone from SST upon returning stateside. They had charged me the late fees and marked payments late for XXXX XXXX. I have provided both XXXX and SST copies of my statement of service verifying my service and my DD-214 that verifies me even further with no resolution. Though I do not have a copy of my deployment orders for that specific deployment in 2019, I did offer to reach out the command at my old unit to attempt to get those orders. However, SST told me that my military service meant nothing and that those orders will not be sufficient in proving that it was their fault I could not make a payment.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Mohela sent me on XX/XX/XXXX an Auto Debit payment Confirmation. which I believe is a Statement. The statement has a date of XX/XX/XXXX. But this was not sent to me until XX/XX/XXXX. I was on REPAYE and was moved to SAVE. During this my tax filing status and number of dependents was changed from Married Filing Jointly with Three Dependents to Filing Single. This changed my payment from {$0.00} to {$370.00} a month. On XX/XX/XXXX I sent a message via Mohela website explaining their error and recieved a confirmation I would hear back in 3 days On Monday morning XX/XX/XXXX I called and after 4 hours and three escalations I spoke with someone who understood their error. The CSR filed their error and said I would receive a response in 2 or 3 days. On XX/XX/XXXX Mohela is scheduled to withdraw the incorrect {$370.00} from my account. I messaged requesting the correct calculation and them not to withdraw {$370.00}. I have not heard back. I do not want to be placed on deferment or forebearance which will result in my interest increasing which it should not under SAVE.
Product: Debt collection

I received an email this month from XXXX XXXX that said a derogitory mark had been placed on my credit report. 
I had been badly scammed XXXX XXXX so I always look and make sure things are ok. 

When I looked it shows I had a derogitory mark added to my credit by a Prince Parker & Associated per XXXX XXXX XXXX XXXX XXXX. I had to have XXXX XXXX in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX. I had picked up an entire box of copy paper put it on my shoulder and walked upstairs to our offices. Well turns out this caused a couple discs in my neck to rupture/break not sure the medical term. This became a WC Case. 

XXXX set me up on a payment plan and the first sign of being turned into collections I called and was told notes were put on my account that it was a pending WC case and would not be sent to collections. 

As soon as I received the settlement from my case I paid XXXX in full on XX/XX/XXXX {$1.00}, XXXX! 

Then in XXXX they add it to my credit report?! It was the evening when I found this out so I pull out my folder of all my documents and receipts from my XXXX and WC case. I start calling XXXX the next morning left messages and received no return call. 
Called again the next day and got someone. I told him what was going on and I was told he could see in my notes that it was WC and not to be sent to collections as well it was paid in full. The rep said he had to speak with his manger. When he came back to the line he said it was a mistake and they were going to call Prince Parker and have it removed. 

In the mean time I XXXX the Prince Parker agency and called. I spoke ith a XXXX who said pending WC cases are not to be sent to collections. She said it may take up to 30 days and it would be deleted and would be like it never happened. Well when the collection was placed on my credit my score dropped XXXX points! 
So if it was a mistake and it would be like it never happened I feel my score should go back to what I worked hard for it to be! 
After speaking with XXXX I immediatly got a call back from XXXX that they got emailed by Prince Parker. I said yes because I called them also.

I feel your credit score dropping XXXX points due to someone at a billing office making in error is huge! XXXX at Prince Parker made it sound like a huge mistake! 
Well it certainly didn't take 30 days it was removed the day after. 
The days I spoke with XXXX and Prince Parker was XX/XX/XXXX. It was removed from my report on XX/XX/XXXX. 

However, it is not like it never happened. My report says removed account settled and my score did not go back up XXXX points. If it was like it never happened I should not be able to be it and my score should be reinstated! That is my complaint! 

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

I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX  and XXXX  have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Fl XXXX XXXX XXXX XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX  XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a 30 day late payment last XXXX, Shellpoint Loan Servicing continually updates the loan balance incorrectly. I have disputed the incorrect balance with the mortgage company, and with all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Product: Credit reporting or other personal consumer reports

Account on all 3 credit agency. I ask for portfolio recovery, XXXX XXXX XXXX XXXX XXXX  XXXX to provide all information that I didnt get the purchase agreement, notification to me about the credit. Creditor giving reporting agencies inaccurate information, reporting debt as charged off, late payments, inaccurate statements, balance due, privacy violations, withholding notices, mixed file, the company pull my credit to see if I had collections before they file a lawsuit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, I WOULD LIKE TO EXPRESS AN IMMENSE AMOUNT OF CONCERN REGARDING THE XXXX VACATION ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT REPORTS : EQUIFAX AND XXXX. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO RECTIFY THIS ERROR SINCE XXXX OF 2020. NOTHING HAD BEEN DONE BY NEITHER CREDIT BUREAUS, NO ACTION HAS TAKEN PLACE TO THIS MATTER. I DEMAND TO KNOW WHY THEY HAVEN'T BEEN ABLE TO REMOVE THE NEGATIVE ACCOUNT, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. PLEASE HELP ME WITH THIS MATTER IN ORDER TO RESOLVE THIS ISSUE ... .I GREATLY APPRECIATE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with XXXX is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I submitted documents to all 3 credit bureaus to remove negative marks on my credit that do not belong to me. I requested validation of these debts because there is no contract on file showing that I owe these debts at all and still haven't received a reply from them. This is a clear violation of my rights and these items should be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$15000.00}.