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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX {$420.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I called Capitol One and explained that they submitted old information to XXXX on XX/XX/XXXX. The Capital One account that Capital One submitted under the heading " Adverse Accounts '' was from a card back in XXXX account # XXXX which had a 60 day late payment. This was in XXXX. Why would they report this as this is 7 years old and my present Capital One card has a perfect payment record for the past 5 years? I called Capital One and they refused to give me the department that does the reporting and they stated that the " the department was not taking calls '' I would have to start a complaint with Capital One which would take 30 to 45 days. This could be solved in one phone call. So now I have a complaint process against XXXX with your agency. I have to put in another complaint thru Capital One, XXXX did not allow me to " verify '' myself with their complaint process, so now I who didn't do any thing wrong has 90 things with 3 different agencies all of which take up to 45 days to straighten out. This is the most convoluted, confusing frustrating thing that that I have to go thru to clean up a mess that I didn't create.Please help me.
Product: Credit reporting or other personal consumer reports

The information listed below was added to my credit report without my consent. Please verify if this information is correct or Im requesting that it is removed from my credit report. According to the Fair Credit Reporting Act ( FCRA ).
Product: Debt collection

I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
BK OF AMER XXXX - There is a possibility that this information may be inaccurate. This must be removed immediately. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
Product: Debt collection

I keep getting calls from : global credit and collection corporationwith phone number:XXXXto number:XXXXThese calls have been going on for 4 years. I have told them repeatedly that I am not XXXX XXXX and to remove me off their calling list
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is refusing to delete erroneous information from my report and are denying receiving my documents even though they were sent certified. Additionally they are breaking California law statute 641..which says a document put in the mail is considered received. If they do business in CA they must adhere to CA laws. THEY ARE NOT. They are also in violation of California statute 1013.
Product: Mortgage

In XXXX XXXX we entered into a repayment agreement with XXXX XXXX XXXX XXXX to catch up XXXX late payment of {$1300.00}. We agreed to catch this late payment up by adding an additional amount of {$190.00} on to each payment of {$1300.00}. The new monthly payment amount was {$1500.00}, after the initial forebearance payment of {$1300.00}. These amounts were paid to XXXX ( # XXXX XXXX via money order on XXXX/XXXX/XXXX and by phone transfer confirmation # XXXX of XXXX XXXX, XXXX. In late XXXX XXXX we were notified by XXXX that our loan had been transferred to Nationstar Mortgage XXXX # XXXX XXXX. We made our XXXX payment on XXXX XXXX ( check # XXXX ) to Nationstar Mortgage in the amount of {$1500.00} by mail. Our XXXX XXXX payment was made on XXXX XXXX XXXX in the amount of {$1500.00} by cashier check to Nationstar Mortgage by mail. Febuary XXXX payment was made XXXX XXXX XXXX for {$1500.00} by cashier check to Nationstar Mortgage by mail. XXXX XXXX payment was made XXXX XXXX XXXX for {$1500.00} to Nationstar by cashier check. XXXX XXXX paid XXXX/XXXX/XXXX XXXX XXXX XXXX paid XXXX/XXXX/XXXX ) and XXXX XXXX paid XXXX/XXXX/XXXX XXXX of XXXX payments were made to Nationstar also by cashier check in the amount of {$1300.00}. 
Because of the sudden transfer of our mortgage loan from XXXX to Nationstar, there was an accounting error in whether we were to pay an additional {$190.00} with our XXXX payment to Nationstar. However, we continued to make regular on-time up to date payments as agreed per the repayment plan. Our continued problem has been that Nationstar Mortgage is continuing to show us being behind in our payments by {$1300.00}, even though our records substantiate that we are not behind by a payment. We will concede that if we are behind at all it would only be for approximately {$370.00}. We have notified Nationstar of this discrepancy and/or error on several occasions to no avail. In addition to continuing to show our mortgage by being behind by a month, Nationstar has incorrectly reported this information on our credit bureau files. Any assistance in rectifying this situation is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

As per the FCRA and as a federally protected consumer I am opting out of any authorization, I previously gave you written, unwritten, verbal nonverbal, or implied. As per 15 US C 1681A reporting transactions and experience between a consumer is illegal. A per 15 USC 1681B they were not given consent to furnish my information. 
XXXX furnish my information for third-party. Also without my consent XXXX XXXX original creditor XX/XX/XXXX reporting balance of {$3300.00} Furnish my information to XXXX XXXX XXXX for debt collection and the amount of {$3300.00} I do not conduct business with XXXX XXXX Nor did I submit any contract with them? also XXXXXXXX XXXX  is reporting {$580.00} balance, open date XX/XX/XXXX on a collection which is considered a certificate of a indebtedness which is considered income and income can not be reported this this is Security fraud please investigate
Product: Credit card or prepaid card

I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Bank of America Cash Resards Visa Signature-XXXX Balance:XXXX XX/XX/2019 Bank of America Cash Rewars Visa Platinum Plus-XXXX Balance:XXXX I went to the Bank of America business hall and talked to the customer service manager. I called the service staff of the Bank of America security department to ask why closed my two credit card accounts and told them that the reports of the credit companies they had received were incorrect. My XXXX XXXX credit card has been stolen and has been disputed with credit companies and banks. The debt does not belong to me. 
1Amount of arrears to hight 2 : Automatic Payment and Refund 3Excessive debt arrears For these Three reasons, I refused to open my credit card account again. 
I paid off my debts on time. I was the deputy general manager of a high-end restaurant. I paid in full cash to buy a house worth XXXX XXXX.My house has a net worth of {$XXXX} XXXX  and a total of {$8000.00} in arrears. 

It's hard for me to understand the wrong judgment of Bank of America, the lack of correct verification information and the closure of my credit card account.
Product: Money transfer, virtual currency, or money service

XXXX  XXXX I received a call from Bank of American stating that suspicious activity was happening in my account. I had to transfer funds to myself however my XXXX account was not a business account so I had to move my {$500.00} to my business account. This was a scam, because he hung up immediately after I followed instructions and my money was gone.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.XXXX  # XXXX
Product: Bank account or service

I attempted to open a bank account with Wells Fargo and was denied. I was advised that my denial was based upon a reporting to XXXX by XXXX XXXX XXXX. I asked if it was reported to XXXX because I have monthly alerts from XXXX and there is no record of XXXX bank on my credit report. The Wells Fargo representative stated that it was not XXXX because if it was I would still qualify for a XXXX chance account. He gave me a paper to contact Experian and was certain that the reports to the credit bureau was the reason for my denial. I pulled all XXXX reports and there is nothing reflecting XXXX bank. May I please know the accurate reason why I was denied an account so I can attempt to resolve the issue? 

Thank you.
Product: Debt collection

I am writing to address a billing discrepancy related to my visit to XXXX XXXX on XX/XX/XXXX. 

According to my XXXX account and confirmation from the XXXX XXXX  department, I have only XXXX bill associated with this visit, amounting to {$2500.00}. This is the only charge that has been confirmed under my account. 

However, I recently received an additional bill in my name, with the same date of service but a different account number and an amount of {$1200.00}. This second bill does not belong to me, yet I am being asked to pay it.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX, XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit re
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that XXXX XXXX XXXX svc supplied to Experian, XXXX and XXXX credit bureaus ; whose report has incorrect information that has not been updated in reference to account ( XXXX XXXX XX/XX/XXXX ). 

Prior to the Pandemic I had an Impeccable Payment history XXXX XXXX XXXX, I value being a financially responsible client. However, during XXXX I suffered from a major hardship, I had a great death in my family, and I lost my former husband, who at the time was my primary source of income. I also was laid off from my Job due to major cutbacks. Being a Widowed wife and a mother of XXXX It was hard to meet all my financial hardships. Nevertheless, I did not want to neglect my financial obligations. If you check the history on my account, I have never missed a payment from the time I opened my account in XXXX until the pandemic. In XXXX I reached out to your company to request hardship payment options, I agreed to do a settlement with your company, hence each account was paid. I was informed that the account would be kept current, no late payments will be reported due to me agreeing to settle the account and Care Act.

According to the Cares ACT, the CARES Act states if you make a debt-relief agreement, that creditor must continue to report the debt as current. Therefore, no late payments should reflect my credit file during that time. I Request that XXXX XXXX remove all late payment history as soon as possible to be in compliance with the federal law. To ensure that creditors adhere to the Federal Law which prohibits Negative Credit Reporting according to The CARES Act signed into law on XX/XX/XXXX, Act to amend Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX. ( 15U.S.C. 1681s-2 ( a ) ( XXXX ) ( F ). ) This has been an ongoing issue. I have also reached out to XXXX XXXX in XXXX, XXXX, and just recently XXXX XXXX via dispute through my credit bureau, however both accounts remain the same inaccurately Late Payment history.

Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed late payment items as soon as possible.
Product: Credit reporting

I have tried to contact the company XXXX to find out who what where and when this account was opened but have gotten little to no help with this it seems like you can put info in online to get the credit card. It is reported three different times twice XX/XX/XXXX and XX/XX/XXXX. I want this to stop affecting me very time I go to buy anything.
Product: Student loan

Navient has continuously charged me high interest rates, while in forbearance or deferment and made the process for entering into an IDR program lengthy- while interest accrues on my account and no other options are or were available to myself, I want to add this complaint to the law suit that has been filed against Navient.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX  CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX  Balance : {$400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 180 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) My husband was in the military and very ill and passed away from health complications. I was not aware that the first mortgage was in any kind of jeopardy. I took out a second mortgage and never missed one payment. XXXX foreclosed on this account and then sold the account to XXXX. I was never contacted regarding any collection on this account and consequently I was not able to resolve the collection issue. Because I was never late on the payments, there should not be any lates being reporting. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

To my knowledge I have never had an account with XXXX. I received an alert on my credit and discovered this company has placed a collection account on my credit. Account XXXX XXXX. I have lived at my residence for over 20 years. That said, I have never received a bill from the collection agency or the original creditor. I sent Cavalry a certified letter requesting them to validate the debt- it's been over 120 days. It appears they are in communication with they bureaus alleging the debt belong to me- but I cant get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account open date XXXX XXXX XXXX  account open and closed date XXXX Experian credit report shows ex husband as co applicant illegally XXXX account I had a freeze it was unlocked XXXX. Police report identity theft no actions been taken by either buissness, police report been made also by a individual use my name different spell use my social security number ftc foia ogis reference number Unemployment with my social security number, insurance company disclose my information to ex SPOUCE illegally and my attorney information
Product: Debt collection

XXXX XXXX has stopped reporting only to start a new report. While the age remains the same it still damaged my score 5 points and hasn't recovered. This is one of many harassment tactics that they have used which the FDCPA protects me from over the phone they have also claimed to be XXXX  themselves and refuse to be anything less than difficult and annoying. The harassment has occurred on every instance that I've called and includeds half hour hold times, repeatedly being put on hold, as well as unauthorized personnel asking me for vital information, repeating the same questions over and over again and just goes on.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX  Account Name : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX  - Account Number : XXXX Account Name : XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Unauthorized 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 XXXX XXXX XXXX XXXX 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