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

In XXXX of XXXX I submitted a dispute to Experian for account XXXX XXXX XXXX, XXXX questioning the accuracy of the account. On XX/XX/XXXX, Experian removed XXXX  XXXX XXXX, XXXX. from my consumer report. In XXXX of XXXX, Experian reinserted XXXX  XXXX XXXX, XXXX. back on my consumer report. According tXXXX 15 U.S. Code 1681i ( a ) ( 5 ) ( b ) - ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I was not notified by Experian about reinserting this account of my consumer report and according to U.S. Code 1681i ( a ) ( 5 ) ( b ) iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I wasn't notified nor did I receive a statement that the disputed information was reinserted, nor was I given the business name and address of the furnisher of information contacted and the telephone number of the furnisher. This is a clear violation.
Product: Student loan

I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, XXXX AND EXCELLED IN HIGH SCHOOL AND XXXX -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX XXXX IN IT FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH FED LOANS ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO XXXX PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX -- -- -XXXX ON XX/XX/2015 I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the XXXX account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the XXXX Checking account, therefore zero reason not to pay other than XXXX illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. XXXX did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
Product: Debt collection

I received a letter from Berlin-Wheeler Inc on or about XX/XX/18 that I owed a debt for {$390.00} for XXXX, but I have never had an account with XXXX. I then sent Berlin-Wheeler a certified debt validation letter that was received on XX/XX/18. They sent back copy of invoices, an itemized printout, and a demand for payment, but nothing to verity the debt since the FTC has stated that itemized printouts are not verification of a debt. I checked my credit report on or about XX/XX/18 and the debt was reporting to the credit bureau, but it was not marked disputed within the 30 days that are required by law according to FDCPA 807 ( 8 ). I then sent another certified letter to Berlin-Wheeler that was received on XX/XX/18, letting them know of the violation and asking them to remove the inaccurate information from my credit file, but the debt has not been removed nor has Berlin-Wheeler responded as of today ( XX/XX/18, which well pass 30-days ) I am requesting to have this inaccuracy removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Crediter name XXXX XXXX Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Permissible purpose : written authorization Reguest on XX/XX/2017 Above information was been reported on my XXXX XXXX   report. 
When contact the credit explain to me why they reported and optenin information from my file they refused to disclose and identify whos sending them written athurization to access my files
Product: Credit reporting or other personal consumer reports

The creditor Kohls failed to send a printed, electronic statement and failed to collect a payment by phone. I had an account that I had not used for a year and made 1 charge in XX/XX/year> an completely forgot about it since I typically do not use credit cards and pay my balances in full every month if I do. However, I had so much difficulty with this Kohls account. I tried entering the account via website but I was unable to get any account information and every time the account was reset a password reset was never sent to my email or phone as it should have. I tried calling the customer service number but with the unbelievable long waits it was impossible to get to someone. Finally I was able to contact the creditor in XXXX over a weekend. I let them know I have never received a statement or account information and I was wondering about any payments due. They informed me they had the worn account email and information, I am not sure how. I paid the account in full and requested to close the account. The amount I owed at the time was no more than {$130.00}. I let them know that I was worried this might impact my impeccable credit and had no late payment. They reassured me this would not be reported to the credit bureaus since I called and explained they did not served me with any statements and it was only 30 days past due. In XXXX I tried to apply for a mortgage loan my credit scored had been up to XXXX, I realized my scored dropped to XXXX and I had negative history form Kohls. They violated federal law, according to 12 CFR Part 1026.5 of the Code of Federal Regulations covers general disclosure requirements for creditors. These requirements include : written or electronic statement disclosures to collect a debt. Kohls violated Federal consumer laws. After I submitted my dispute in writing, they failed to make the error issues. They refuse to delete my " late payment '' information and ignored the facts that it was their error for not disclosing any account information to me. I a requesting for them to be penalized and to correct my record. They can not report late payment if they failed to properly collect money under the laws. This is impacting my credit and I am unable to get a mortgage loan until this is corrected. I am an excellent A+ consumer, they are being careless and not taking responsibility for their billing errors. I will secure a lawyer to take legal action against them at this point since they failed to resolve the dispute. Please assist me with this and assuring they understand consumer law requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at Equifax, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with XXXX and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. XXXX XXXXs credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian National Consumer Assistance Center XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Subject : Dispute Regarding Data Breach Incident Dear Customer Service Department XXXX I am writing to formally dispute and express my concerns regarding the recent data breach that occurred within your organization. I have been notified that my personal information was potentially compromised, and I would like to address the situation as it directly impacts on my privacy, security, and well-being. 
Incident Details According to the notice I received, my personal data was compromised during the breach that occurred on [ date of breach ]. The data that was potentially accessed or exposed includes [ list specific information if available, such as name, address, Social Security number, financial data, etc. ]. This incident is of serious concern, and I require immediate clarification and resolution. 
Request for Investigation and Resolution I request the following actions : 1. Full disclosure of the breach details : Please provide a clear and detailed explanation of how the breach occurred, including the type of information exposed and the timeline of events.

2. Action taken to mitigate harm : I would like to know the specific steps you have taken to resolve the breach and prevent any future incidents. Please also provide information about any steps I can take to further protect myself. 
3. Assistance with identity protection : If applicable, please provide free credit monitoring or identity theft protection services for a specified period, as this breach has exposed my sensitive personal information.

4. Confirmation of dispute resolution : Please inform me of your efforts to resolve this issue, including any compensation, corrective actions, or further steps you will take to rectify the situation. 
Request for Confirmation Please acknowledge receipt of this letter and provide a response to my inquiries no later than [ set a reasonable deadline, e.g., 30 days from the date of this letter ]. I am prepared to pursue legal action or further escalate the issue if a satisfactory resolution is not achieved in a timely manner. 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution to this dispute. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated 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 CO XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) EXPERIAN CREDIT BUREAUS is required to remove any inquiry not later than 4 business days after the receipt. Also, the information provided on some inquiry is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I submitted a dispute regarding accounts on my credit report. I reached out to the credit card companies for validation of debt and they have refused to do so.

Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. Now the accounts are being reported as charge off.

I have been researching and looking up my consumer rights under FCRA law section 623. I am entitled to a reasonable investigation. My rights under 15 USC 1692g,1681A1A and 1681s-2 have been violated. The accounts listed below do not follow FCRA. 

XXXX XXXX  Account number XXXX Account type Credit card 2.Account name XXXX  XXXX Account number XXXX Account type Credit card For the months of XXXX and XXXX the account is being reported 30 days late. How could this be when there is only 30 days between the month? 
3.Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
4.XXXX Account XXXX XXXX Account type Charge Card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
5.XXXX Account number XXXX Account type Charge Card This account reported 30 days late XX/XX/XXXX then XXXX was ND ( No data period ) then XXXX is 60 days late which is confusing to me was there a payment reported by the data furnisher if so how would you determine the accuracy? 
6. 
XXXX XXXX  XXXX Account number XXXX Account type Credit card This doesn't show when the last payment was made and the amount there is no data that supports the accuracy of what's being reported. 
7.XXXX  XXXX  Account number XXXX Account type Credit card Responsibility This account its reporting two 30 day late payments back to back during XXXX and XX/XX/XXXX then 60 days late back to back XXXX and XX/XX/XXXX then 90 days back to back for XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX5 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
Product: Credit reporting or other personal consumer reports

I filed a dispute on these 6 Hard Inquiries that are still on my Transunion credit report. Transunion denied to follow up with the investigation. Since they have not attempted to remove or correct the information I am requesting these hard inquiries be removed or corrected immediately. I have no knowledge of these inquiries and they are affecting my credit score and chance of becoming a home owner. 

Late Payments Reporting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Late Payments Reporting from CLOSED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 US CODE 1666B 15 US CODE 1681a ( 2 ) ( 1 ) 15 US CODE 6802 Law FCRA Section 605 B These late payments should not be on my credit report. Also it is illegal to report information on my credit report without my permission. Please remove these items from my credit report. 
Transunion violate my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

Account Name XXXX XXXX Account Number XXXX Account Balance {$14000.00}. 15 USC & 1681n Civil liability for willful noncompliance, 15 USC & 1681o Civil liability for negligent noncompliance, 15 USC & 1681e Compliance procedures, In accordance with the Fair Credit Reporting Act, the list accounts has violated my federally protected consumer protection rights to my privacy and confidently under 15 USC 1681, 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 168 SECTION 604 A. STATES A CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1681C ( A ) ( 5 ). STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. 15 USC 1681C ( A ) ( 5 ) ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681S-2 ( A ) ( 1 ) PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAD REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  -  XX/XX/XXXX - I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX  - I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.   XXXX   XXXX   XXXX  - XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
 XXXX - XX/XX/XXXX  XX/XX/XXXX , XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX   XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
  XXXX   XXXX   XXXX  - XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX -I have contacted the company and credit bureau and both failed to release this fraudulent inquiry.
Product: Credit card or prepaid card

I've been receiving unsolicited credit offers from Capital One bank in XXXX, VA, despite being registered with XXXX XXXX opt-out and XXXX. I first e-mailed Capital One, then called their customer service number several weeks ago to request my name and address be removed from their mailing list -- yet their pre-approved credit offers continue to arrive in the mail about every XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a collection in the amount of {$4700.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page 6 of the attached credit report. ) This account does not belong to me. I do not have a XXXX XXXX card. The date of last activity on this account was XXXX, 2014. This account is well over the statute of limitations ; does not belong to me ; and reporting this is a violation of the Fair Credit Reporting Act. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX