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

In XXXX, I sent a notification to the Credit Bureaus regarding accounts that I don't owe or recollection. I asked to verify. I also contacted the companies reporting. Since XXXX no information has been given from XXXX  or Transunion. 

This account was Verified as Accurate. My question is, how is this account verified as accurate when, it's not accurate and I do not owe nor has XXXX sent information regarding this account. 

XXXX  still lists this account AND they have the account listed twice as Duplicate, which is a blatant error and violates Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my police report and my FTC affidavit to the three credit bureaus Experian, XXXX and XXXX XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these collection agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Deformation of character buy XXXX accusing me of hiring a third party to submit a dispute on my behalf that is completely untrue. 

I appreciate your prompt attention to this matter, and await your reply. 

Remove this fraudulent and inaccurate information from my credit bureaus or i will take legal actions without further notice and this complaint services as proof that i tired to resolve this fraud
Product: Debt collection

A few weeks ago, One Advantage sent me a letter stating I owed a creditor money.

I responded by US Mail, with a 7-word note stating I owed no money and to refrain from contacting me again.

They contacted me again.

Less than two weeks later, they sent me a second note, with an enclosure an itemization, writing, Enclosed you will find the information you requested. I requested no information. Not only was this second contact unethical, they lied. 

I request that this harassment stop immediately. 

Thank you.
Product: Checking or savings account

Navy Federal held funds from XXXX XXXX XXXX resulting in negative balances and overdraft. Navy Federal failed to post deposits in timely manner resulting in overdrafts so they could charge overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws was being broken under the FCRA by your company. This is causing me financial injury, this is defamation of character, I can not get a job or apply for credit. You are hurting my ability to obtain credit
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX Begin investigation on the following : date of last activity, account number, and account name. There is a possibility this information may be inaccurate. This must be removed immediately. I also think that this belongs to a person with a similar name as mine. It has not been investigated properly. 

XXXX XXXX XXXX I am requesting investigation of the account name, opening date, and date of last activity. This information seems to be misleading. Immediate removal of this item is greatly appreciated. 

State Tax Lien XXXX Can you please review the amount, docket number, court name and type of public record I believe it violates the FCRA. Please remove this public record for violating the Fair Credit Reporting Act. See documentation where this is an invalid lien on my credit report from the Georgia Department of Revenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with Experian Credit Reporting agency mishandling my credit file in particular XXXX XXXX XXXX and XXXX XXXX.Both these accounts were removed back in XXXX and XXXX due to identity theft..However, both accounts were reinserted in XX/XX/XXXX without notification..The FCRA requires credit reporting agencies to notify consumers in writing 5 days prior to reinsertion of previously deleted accounts..I never recieve notification, which is a violation of federal law in regards to credit reporting..I have sent several certified letters to Experian with no response..There blatant disregard of the law undermines the integrity of the credit reporting system..Creditors rely on accurate and true information on a consumer file..The forementioned accounts were deleted several years ago due to fraud, I sent both credit reporting agency and creditors police report as well as identity theft report FTC..I also asked for documentation with my signature/ consent that I have done business with these companies..I never recieve such documentation from either Creditors not credit reporting agency Experian..
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. These accounts must be investigated/updated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix 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 Balance Owed : {$70000.00} DEPTEDXXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$71000.00} DEPTEDXXXX XXXX  Balance Owed : {$11000.00}.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding inaccuracies in the reporting of my account. I have submitted disputes for the account in question, challenging the accuracy of the information reported. XXXX XXXX XXXX XXXX has responded, asserting that the information is verified and accurate. However, my XXXX  credit report shows significant discrepancies in the " Account Rating, '' " Date of XXXX  Activity, '' and " XXXX  Payment '' details, which have been verified as incorrect. 

Account Information : Account Number : [ Your Account Number ] Creditor : XXXX XXXX XXXX XXXX Discrepancies : Account Rating : XXXX XXXX XXXX XXXX has reported an Account Rating that differs from the verified information. The discrepancy in the rating negatively impacts my XXXX  XXXX  and misrepresents my XXXX. 

Date of XXXX  Activity : The reported " Date of XXXX  Activity '' on my XXXX credit report does not align with the accurate information that I have verified. This misinformation can have significant consequences on my XXXX  history. 

XXXX  Payment : The reported " XXXX  Payment '' information also differs from the verified details. This inaccuracy can impact how my XXXX  is perceived and affect future financial opportunities. 

I have taken the necessary steps to dispute these inaccuracies with XXXX XXXX XXXX XXXX, but their response suggests a failure to rectify the discrepancies. As a consumer, I believe it is my right to have accurate and truthful information reflected in my credit report. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and compel XXXX XXXX XXXX XXXX to correct the inaccuracies in my XXXX  report. I also request that XXXX  adverse effects on my XXXX  score resulting from these discrepancies be rectified promptly. 

Thank you for your attention to this matter. I appreciate the efforts of the Consumer Financial Protection Bureau in ensuring fair and accurate credit reporting practices.
Product: Student loan

I attended XXXX college from XXXX to XXXX. however, the college was a for-profit company and loan from Navient XXXX college misled me. They made me believe the school was accredited. They made me believe I was going to be placed in a job in my field of XXXX XXXX. they had tv commercials saying I would have a job in the XXXX XXXX field. but the truth is that the school is not accredited and after I graduated I was left alone with no job. 
They forced me to take out federal and private loans throw Sali mae ( navient company ). 
The navient company was taking out loans from me to support a fraudulent company like XXXX College I had a lot of financial hardship since i started school there. Thinking I was going to have a job after was my motivation. Since XXXX I had lost my apartment, lost my car, my kids did not have enough medical assistance at one point, my wife devoiced me, I was XXXX for three year. I had to see a XXXX because of all of this. Because of the loans from navient company.
Product: Debt collection

On XX/XX/XXXX my wife and I contacted Evergreen Professional Recovery XXXX, to pay medical debt accumulated from XXXX. We made a verbal agreement to have all accounts deleted off our credit reports if we paid all accounts in full that day. The individual we spoke to agreed to these terms verbally. We then used our internet account to pay these accounts in full. After one month no accounts had been updated through the credit bureau 's. We disputed with the credit bureau 's, after the required 30 days the accounts were updated stating paid. Then we disputed again as these accounts were supposed to be deleted entirely off the reports. This month we have begun calling Evergreen Professional Recovery XXXX to ask why the accounts have not been deleted on our reports. They state that they have no record of agreeing to these terms. Please when dealing with this company request in writing to have a letter of deletion sent to you prior to paying any debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against DEPTEDXXXX as reported by TransUnion and Equifax for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related federal protections.

Account Information : Creditor : DEPTEDXXXX Account Type : Installment ( Educational ) Account Status : Closed / Paid Date Opened : XX/XX/XXXX ( TU ) / XX/XX/XXXX ( EQ ) Last Reported : XX/XX/XXXX ( TU ) / XX/XX/XXXX ( EQ ) Balance : {$0.00} High Credit : {$3000.00} Comments : Dispute resolved; reported by grantor ( TU ) Violations Identified : Obsolete Reporting FCRA 605 ( a ) : This account was last active in XX/XX/XXXX. The FCRA limits the reporting of closed/paid accounts with no negative history to 10 years from the date of closure. As of XX/XX/XXXX, this account is beyond the 10-year reporting window and should no longer appear on my credit report. 
Incomplete and Inconsistent Reporting : Equifax lists the account as Paid, while TransUnion lists it as Closed. These statuses must be consistent across all bureaus per FCRA 607 ( b ).

There are no negative payment remarks or delinquencies, yet the account continues to appear in my file without any purpose, creating an unnecessary data footprint.

Failure to Delete After Dispute ( FCRA 611 ) : The account shows a comment : Dispute resolved ; reported by grantor. This is misleading and prejudicial, as it implies a disputed derogatory item even though the account shows {$0.00} balance and no delinquencies. If the account has been resolved, it should be fully corrected or removed, not left with a prejudicial notation.

Violation of My Right to Accurate and Fair Credit Reporting : Reporting outdated, misleading, or unclear information violates the FCRA and negatively impacts my creditworthiness. I have the right to a fair and fully accurate credit profile.

Additional Privacy Violation Concern : It has been widely reported and documented that XXXX XXXX and the DOGE ( Department of Government Education ) were given unprecedented access to vast amounts of educational data including DEPTEDNELNET records as part of federal student loan data restructuring and automation efforts. This unauthorized access is a direct violation of my rights under FERPA ( Family Educational Rights and Privacy Act ) and compromises the lawful basis for this accounts presence in my credit report.

I have documentation and articles to support this breach of privacy and misuse of educational record access. My personal financial and educational data has been compromised, and I do not consent to this information being further shared, stored, or reported. 

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

I want to bring to your attention that the XXXX account in question has already been charged off and resolved. I have fulfilled my obligations by making necessary payments to settle the debt, and the account is no longer active. It is crucial to note that the reporting of account abuse is misleading and damaging to my creditworthiness. 

I respectfully request a thorough investigation into this matter and request that ChexSystems provide evidence supporting the claim of account abuse. Additionally, I would like to request the removal or correction of this inaccurate information from my consumer report, as it is having a detrimental impact on my ability to obtain financial services. 

I understand that ChexSystems has a responsibility to ensure accurate reporting of consumer information, and I trust that you will handle this dispute with the utmost diligence and professionalism. Please provide me with a written response regarding the outcome of the investigation within the time frame prescribed by applicable laws. 

Thank you for your prompt attention to this matter. I believe that through your assistance, the inaccurate information can be rectified, and my consumer report can be updated accordingly.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX 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: Vehicle loan or lease

I need with a loan I have a bank account n can back in payment looking for a couple hundred to help me pay my note due to COVID-19. Let me know if u can help out n I will appreciate it if u can.. n thank u
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I contacted Affirm to start a dispute for a portion of a loan I had with them for a purchase from XXXX ( Loan ID : XXXX ), doing so through the tool it provides on its website for this purpose. A few days later a representative named " XXXX '' contacted me ask me for all the same information I had already provided through the online tool to start the dispute process ( You can not complete the online process without submitting this information ). I responded to XXXX explaining Affirm had already been provided the information and requested that she use her internal tools to gather what was needed and refrain from " putting unnecessary and/ or redundant hurdles in the way of addressing my dispute. '' I don't know if it was laziness on her part or an intentional part of XXXX disputes processes designed to discourage customers from filing disputes, but XXXX continued to refuse to use the information already provided and demanded I send it again. I have since requested the matter be transfered to a supervisor multiple times, but rather than comply she childishly closes the support ticket for my dispute. 

The original loan amount was XXXX, which was reduced by {$210.00} due to product availability issues with the merchant. However there is an adjustment of approximately {$120.00} that has not been applied to the loan for merchandise I returned to the merchant. After reducing the original amount due by the two credits described above, the new loan amount should be {$170.00} plus interest. To date I have paid {$200.00}, which should more than cover the amount of the loan and interested earned by Affirm from this loan. Affirm is not due and I do not intend to pay anything more towards this loan.
Product: Debt collection

This debt was double billed by XXXX XXXX XXXX. My insurance through XXXX XXXX XXXX paid the balance. I forget the insurance company name at the moment as this was years ago and I have moved states. XXXX fraudulently sold the " debt '' to collections, specifically Advanced Collection Solutions, LLC. I have asked to stop contacting me multiple times, have requested they contact XXXX. XXXX is a fraudulent company trying to collect double payment. Advanced Collections needs to stop harassing me about a fake bill
Product: Credit card or prepaid card

This is Identity theft. The XXXX  XXXX XXXX XXXX Milestone through Genesis FS card Services. I did not applied for this card. I did not make these charges of {$810.00} Someone has my information and used it to open this account. Please close this account. 
Lenders info Genesis, The XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I have reported this credit card to The Federal Trade Commission on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that much information was erroneous. The 3 credit Bureaus are required to authenticate these items. It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian credit report and I noticed some late payments on my credit report. 
XXXX XXXX XXXX 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, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX Your company is in clear violation of the law under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( a ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking a {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616 civil liability for willful noncompliance { 15 U.S.C. 1681n } Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I identified information on my credit report that was not completed by me and is fraud. The items are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX have doubled the account numbers and showing late payments when I have stated they were never late. So I get late payments times 2 showing incorrect all around. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance {$24000.00}