23daVinci/CFPB_Complaints huggingface dataset:
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed 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 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

Genesis Credit Management is report a balance of {$12000.00} in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting The following alleged account in my credit file and is listed as a collection with a PAST DUE balance of {$3400.00}. REPORTING A PAST DUE BALANCE ON A COLLECTION ACCOUNT IS INACCURATE REPORTING ACCORDING TO FCRA. This account being reported does not belong to me. 

Account Name : XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX The account says opened XX/XX/2019. However the account also says date assigned is XX/XX/2019. The account also states date of first delinquency is XX/XX/2019. This is inaccurate reporting and are in violation with FCRA laws and guidelines. The 3 bureaus are reporting different information in which is considered inaccurate reporting under FCRA laws. THIS ACCOUNT BEING REPORTED IN MY CREDIT FILE IS A VIOLATION OF REQUISITE METO TO COMPLIANCE REPORTING STANDARDS. ACCORDING TO THE FAIR CREDIT REPORTING ACT, I HAVE THE RIGHT TO A FAIR AND ACCURATE CREDIT REPORT. THEREFORE ANY INFORMATION THAT IS NOT TRUE, ACCURATE AND VERIFIABLE IS REQUIRED TO BE REMOVED/DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was included in my XXXX XXXX  bankruptcy in XXXX, and should be removed from my credit. XXXX recently reported the loan as charged off on XX/XX/XXXX on Equifax, and that is incorrect. Last four of my ssn is XXXX.
Product: Credit reporting, credit repair services, 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 TransUnion credit bureau was dated XX/XX/XXXX 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 XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXXXXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$12000.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX multiple times, yet the errors persist and have not been resolved. Despite my efforts to correct the information, the credit bureaus have failed to take the necessary actions. 

15 USC 1681i ( a ) ( 1 ) : This challenges the failure to properly investigate the dispute within the required XXXX period. The credit bureaus did not complete a timely and thorough investigation. 

15 USC 1681e ( b ) : This challenges the credit bureaus ' failure to maintain and report accurate information, as the disputed account remains incorrectly reported, which violates the accuracy requirements under the FCRA.

15 USC 1681i ( a ) ( 6 ) ( A ) : This challenges the failure to provide the required documentation or findings from the investigation, leaving my disputes unresolved and continuing to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am having an problem trying get information from two of the credit reporting agencies and am hoping your company can lend assistance. XXXX and Experian are reporting a bankruptcy on my credit file though they will not provide me information that allows me to confirm. The XXXX Court systems stated they would not supply me or any third party information and when I accessed public records the only items I can locate are about a speeding violation. I am asking once again what information they have and how they obtained the so called information. If they are reporting something they should be able to validate the information. If I am unable to obtain it then how are they? 

I have attached the document showing what can be found and one of those XXXX XXXX is not me.
Product: Student loan

I contacted Navient in regards to information that was reported to the credit bureaus regarding a series of late payments in XXXX. I advised the company that the accounts were made current and that I was placed into forbearance at that time and requested the errors be completed. They refused this request as they claimed that they believed the information to be accurate ( without a proper investigation ). This contact was made on XX/XX/XXXX. I then sent a formal letter of dispute via certified mail to the Navient Credit Department the following day on XX/XX/XXXX as per the conversation on the phone they would not let me speak directly to a representative and claimed they only took snail mail. 

To date I have not received return correspondence to this dispute letter. Today is XX/XX/XXXX. I have also sent dispute letters to the credit bureaus dates XX/XX/XXXX and am awaiting a response. This information has not been verified and is inaccurate and hurting my credit score.
Product: Mortgage

Select Portfolio Servicing DOES NOT WANT TO SERVICE MY LOAN by check. They send the statements out LATE every month. I have complained about this repeatedly, to no effect. I resorted to making the payment IMMEDIATELY after receiving the statement, generally THE SAME DAY. I know they want late fees. Last month, I received my statement on XX/XX/year> ( due XXXX ) and paid it immediately. SPS claims not to have gotten the payment and has charged me {$120.00}. I KNOW I sent the check and I believe it is sitting around their office somewhere. It regularly takes them until the last possible day ( the XXXX ) to process my mortgage payment. I HAVE COMPLAINED ABOUT THEM REPEATEDLY and no one will help me hold them accountable. THEY ARE THIEVES. I shouldn't have to pay online so they can " leak '' my PII to the dark web. I want them to do their job and I want the late fee reversed.
Product: Debt collection

This collection is not accurate and can not be validated AND Im seeking litgation! Since I studied my rights and found out that under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt.
Product: Credit card or prepaid card

My Credit Card was involved in a balance transfer check fraud transaction, where the fraudster got ahold of the balance transfer check and made multiple transactions using my account. I notified the bank of it and they were able to take off the balance transfer charges and most of the associated fees. One of the balance transfer fees was not reversed and I called the Security Investigator and general customer service rep multiple times in regards the balance transfer fee still being on my credit card. So far, they have not removed it.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

As of XX/XX/XXXX I filed a Bankruptcy Chapter XXXX in XXXX, Texas Federal Court and  Bankruptcy chapter XXXX was discharged on XX/XX/XXXX in which during this time Prestige Financial approve my car loan. 
Since XX/XX/XXXX Prestige Financial stated to me that I was going to get a lower interest rate lower than 17 % and is XX/XX/XXXX and nothing has been done to lower my interest rate and my loan balance keeps rising. 
Also I had a family XXXX in XXXX inXX/XX/XXXX and I could n't make a payment for XX/XX/XXXX and I explained the situation to Prestige by emails and they did n't want to accommondate so I can help my family in XXXX . 
I respectfully asked Prestige administration to put the payment of {$440.00} on the back of the loan and Prestige refuse to do it. Prestige stated that I have to wait for XX/XX/XXXX to get another exempt on payments. 
Now Prestige has me in collection of {$970.00} I told them that I can only pay {$440.00} for XX/XX/XXXX and that 's all I have. 
If I do n't pay the other {$440.00} they will put me in collection and repossession of my vehicle that I need for my XXXX XXXX XXXX with my doctor. 
I am XXXX XXXX and Retired. 
I am sending Prestige statement documents and my payments is {$440.00} a month in which I receive a letter agreement from Prestige Financial. 

Very Urgent Matters
Product: Checking or savings account

Contacted Chase to report fraud charge on XX/XX/23 for ACH debit to Dept of Ed Student Loan ID XXXX. Started claim and placed stop payment on transaction. Charge posted and called back XX/XX/23 and spoke with XXXX. She was able to give me trace ID but no contact information to where my money went to find who is using my account for fraud. Charge is for {$100.00}. Chase is only advice is I have the option to close my account of 31 years and open a new one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!
Product: Student loan

I am currently in the PSLF program. My loan was transferred to Mohela in XXXX of XXXX. When the loan showed up at Mohela it was missing the months between XX/XX/XXXX and XX/XX/XXXX. 22 months didn't come across. They didn't show up in either the Eligible or Ineligible counts. As of XX/XX/XXXX I am currently at XXXX Eligible payments not counting those missing months. I will be at XXXX Eligible payments once those months appear. I have contacted Mohela multiple times since XXXX of last year trying to get those months to appear so I can apply for the PSLF program. The only answer I'm getting is be patient. They will show up. In XXXX I was on the phone with a specialist for quite some time. He filled out a form for me and stated that would take care of it for sure. 2 weeks ago that form was dismissed as a duplicate request. Nothing was done. No one there can tell me why. I was scheduled to hit my 120 months in the PSLF program one month after my loan transferred. My loan should already be discharged. Please help. Thanks
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Experian XXXX XXXX  XXXX XXXX, TX. XXXX Re : Request for Deletion Due to Experian Failure to Respond within 30 Days Re : CFPB Case # XXXX Re : Account Name/Number : XXXX XXXX XXXX  # XXXX Dear Experian I am writing regarding my previous dispute on the account listed above, which I submitted on [ XX/XX/XXXX ]. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), as a consumer, I am entitled to have any disputed information reinvestigated and verified within 30 days of submission. It has now been more than 30 days since my dispute was filed, and the original creditor, [ XXXX XXXX XXXX # XXXX ], has failed to respond to the dispute. 

As per the law, since Experian has not responded to the dispute within the mandated time frame, the information regarding this account should be considered unverified and must be removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when an item is found to be inaccurate or can not be verified, it must be deleted or corrected from my consumer file. 

Therefore, I request that you delete the [ XXXX XXXX XXXX # XXXX ] from my credit report immediately as the original creditor has failed to verify the accuracy of the reported information within the statutory period. 

Please note that I have already sent a certified letter to the original creditor requesting validation of the debt, but they have not provided any verification or documentation in the required time. As such, under the Fair Credit Reporting Act ( FCRA ), the account should now be considered disputed and should be removed from my credit file. 

Additionally, please send me an updated copy of my credit report reflecting the removal of this account after you have taken the necessary actions. Failure to comply with my request may result in further
action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), pursuing legal remedies under the Fair Credit Reporting Act ( FCRA ), and taking appropriate steps to enforce my rights.

Failure to remove this account will also violate Fair Debt Collection Practices Act ( FDCPA ) section 1692g. Which I will be requested a {$1000.00} for each violation.

Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this account has been removed from my credit report. 

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

XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report.

According to 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to mak
e a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Credit card

Sold account without my permission I have the right to privacy I am origin creditor I can only verify a debt
Product: Credit reporting or other personal consumer reports

I Contacted the bankruptcy court on XX/XX/year>, certified mailing # XXXX to inquiring on their method of verification with the credit bureaus. I would also request the procedure they follow when furnishing information which is reported to the credit bureaus. I also included a self-addressed, stamped envelope. They responded with a letter dated XX/XX/year>, notified me that the do no have jurisdiction over the credit agencies and do not report to credit repoting agencies. 
On XX/XX/year>, I sent a letter to the credit agencies to Immediate Deletion of Fraudulent Debt Reporting from XXXX XXXX XXXXXXXX, XXXX XXXX  - XXXX ; XXXX ; XXXX ; XXXX XXXX ) XXXX XXXX XXXX XXXX  and thay refuse to delete the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing income on my credit report. There are two accounts XXXX XXXX and XXXX XXXX listed on my credit report as charge offs. According to the IRS, charge offs are income and should therefore not be listed on my credit report. I have sent a certified letter to Equifax instructing them to remove said information within 10 days and they have not responded.
Product: Credit reporting or other personal consumer reports

Company contacted by email letting consumers know that loans were forgiven and paid on XX/XX/. Lender also stated, " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. '' When loans did not show paid on credit reports, I contacted the lender twice by phone, first time they said information was sent to credit bureaus at the end of XXXX, beginning of XXXX at the latest. Called again at the end of XXXX along with sending an email ( no response from email ), was told there was nothing they could do, credit reporting was automatic. Filed dispute with Experian, still waiting on dispute with Experian, XXXX not responding.