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

The former XXXX account number is XXXX, and this account is reporting to my XXXX, XXXX, and Experian credit files. XXXX is in violation for the Fair Credit Reporting Act by reporting inconsistent and inaccurate information to my credit reports. They have also reported this account as closed two times, once in XX/XX/XXXX and then again in XX/XX/XXXX when they updated the negative account data. 


This account with XXXX was paid in a settlement on XX/XX/XXXX. There are several discrepancies with how XXXX is currently reporting this account to the three credit bureaus. XXXX is reporting the charge off status date as XX/XX/XXXX on Experian and XXXX, but reporting the charge off status date as XX/XX/XXXX on XXXX. They are reporting the loan in three different ways ; Charged off on my XXXX report, Paid or Paying As Agreed on XXXX report, and Legally Paid in Full for Less Than Full Balance on my Experian report. They are also reporting XXXX negative months on Experian, but only 7 negative months on XXXX and XXXX. See attached inconsistent account reporting information from credit reports. 

XXXX has continued to update this account negatively and inaccurately to the credit bureaus for 2 additional years after the account was paid in a settlement. XXXX sent me an email admitting that they had been incorrectly reporting the account, but they still refused to remove the inaccurate account. They sent the attached email to me on XX/XX/XXXX saying that I had satisfied my settlement obligations. Why did they continue to report this negative account status until XX/XX/XXXX? 

On XX/XX/XXXX, I received several alerts and the attached emails stating that XXXX updated my account with late payments. XXXX has continuously failed to accurately report this account to the various credit bureaus throughout the present. This account had not had any reporting updates since XXXX, but now they have updated the account with recent late payments which decreased my credit score by XXXX points. This account should not be reporting new late payments when the account was paid off in XX/XX/XXXX.
Product: Debt collection

The company by the name Midland funding is trying to make me pay a death from over 7 years that dont be long to me
Product: Credit reporting or other personal consumer reports

The are inquires on my credit report that isn't attached to an open account.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT!!! 

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. 

XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} - XXXX XXXX XXXXXXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Good day : My name is XXXX XXXX, and I have a student loan with Navient as a servicer. Since I live in Puerto Rico, during the hurricane Maria emergency, the servicer provided me with a payment deferment. And I made my payments as agreed. However on XX/XX/2018 the servicer send me an e-mail with my next payment due amount was {$59.00} ( and they told me by phone that the amount will be my payment for that month ), and the next day, they sent other amount ( {$150.00} ). 
I need you to investigate this situation, since I'm in an Income Based Repayment Plan, I don't want my plan to be affected of my credit reports. 
Also, the servicer needs to be more aware of the charges they make to the customers. 

Thanks in advance for your help, XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/19 I was preparing to close on a property, XXXX XXXX XXXX XXXX La. XXXX. The closing was scheduled for XX/XX/19. I was instructed to wire {$32000.00} needed for the impending closing early to prevent another delay in closing on the property. My closing/Escrow officer, My banker and I were waiting for the lenders approval to send the money for the closing that was scheduled to take place early XX/XX/19. Once we obtained approval, My closing/Escrow officer sent me the wiring instructions and I forwarded the wiring instructions to my banker. My banker wired the {$32000.00} needed for closing to the Title company listed on the wiring instruction sheet. The name listed on the wire instructions were XXXX XXXX XXXX at Suntrust Bank. I arrived for the closing and realized the funds were not available. The funds were intercepted by a fraudster and were not available to the Title company handling the closing of the home, XXXX XXXX XXXX. I as well as many others contacted Suntrust fraud department. I was told my bank had to contact them with a list of instructions of which one was to fill out a hold harmless agreement. 
No one involved in this fraudulent activity has offered any suggestions as to how I can recoup my {$32000.00}.
Product: Debt collection

Rental Automated Debt Collection placed an account on my credit report for {$8600.00}. Ive never received no type of communication from them and Ive explained to them that this isnt my debt. Rep on the phone already told me it was inaccurate information and still will not remove the debt from my credit report. I was told by the rep that they dont have to remove anything from the credit report even if its paid. Also proof of that is on several of there reviews. Theyre also not licensed to report anything on my credit report in the state i reside in.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX **Subject : ** Formal Complaint Against Experian and XXXX for Violating FCRA ( 15 U.S. Code 1681i ) **Relevant Legislation : ** **TITLE 15 Chapter 41** 1681s2. Responsibilities of Furnishers of Information to Consumer Reporting Agencies I am writing to formally lodge a complaint against Experian and XXXX for violating the Fair Credit Reporting Act. 

Both agencies have failed to fulfill their legal obligations, particularly concerning the accuracy of the information they report to my consumer report. 

My specific concerns include : Under the 15USC1681s2. 
1. **Duty to Provide Accurate Information** : - Furnishers are PROHIBITED from reporting information they know to be inaccurate and must not report after being informed of errors. 

2. **Duty to Correct and Update Information** : - Agencies must ensure that the information they provide is both complete and accurate. 

3. **Duties Upon Notice of Dispute** : - They are required to investigate disputes thoroughly, review all relevant data, and report their findings to the consumer reporting agency. IF INACCURACIES ARE FOUND, THEY MUST INFORM ALL OTHER AGENCIES THAT RECEIVED THE INFORMATION. 

I have provided physical proof related to account XXXX, showing this account was investigated by XXXX, after the investigation was completed the account was deleted from the consumer report.It is particularly concerning that the same source has removed this account from XXXX but continues to report it to Experian and XXXX, indicating a significant inconsistency in the information provided which further support its inaccuracy. 

Additionally, I have previously reached out to both agencies regarding this issue, but my concerns have not been adequately addressed. This lack of responsiveness raises further questions about their compliance with the Fair Credit Reporting Act. 

I respectfully request that the CFPB investigate this matter to ensure that Experian and XXXX adhere to the Fair Credit Reporting Act and rectify any inaccuracies in my credit report. 

Thank you for your prompt attention to this important issue. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my consumer reports and noticed I had 18 late payments on an account that I was never late for. I know that Consumer Reporting Agencies have assumed a integral role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account ( XXXX ) with account number ( XXXX ). 

Please investigate and provide proof with statements that these payments were late. If proof can not be provided I demand that these payments be updated to On Time as the should be as I was NEVER late. Thanks.
Product: Debt collection

I already had this removed in the past and this company apparently now has asked me to pay and it has dropped my credit score. I told them this was fraud and explained I never lived in texas and that this bill was never mine. Asking to submit a police report which I didn't do because I dont have the time right now. I explained that another company already tried this and got it removed last time. I told them to remove or I will report them which I am doing now. They never did the due diligence to see if this was a valid debit and never sent me a letter to pay this either as well, just popped up on my credit report. 

The last company who did it was XXXX XXXX XXXX and it was resolved.
Product: Debt collection

On XX/XX/2018, I received notification from XXXX that a collection was added to my credit reports. The XXXX agency is listed as XXXX and the original creditor is listed as XXXX XXXX XXXX. I reached out to XXXX, Equifax, and XXXX, informing them I have a bill from the original creditor listing the past due amount as {$1000.00}. The amount listed on my credit reports was {$1000.00}, it was recently updated by XXXX to reflect {$1000.00}. This amount is still incorrect and should be removed for inaccuracy. Also, the date opened listed on my reports is incorrect. XXXX has XX/XX/2018, the correct date is XX/XX/2018. I have asked each of the bureaus to remove the account due to inaccurate information listed. XXXX  stated they could remove it but the collection agency could put it back on my report with the accurate balance and correct date opened. This is turn would drop my credit score again, and appear to be a new collection account. Equifax stated once the account is removed the collection agency would NOT be able to put this account back on my report. XXXX  stated the collection account is not listed on my report. I would like for this account to removed from both my XXXX  and Equifax reports due to inaccurate information listed. Also, I never received notice from XXXX notifying me of the pending collection. I have attached a copy of the bill from XXXX XXXX XXXX and a copy of my credit report showing the inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and writing multiple times asking Experian to verify the information they are reporting is corrected with the actually signed contract. They response is they will not re-investigate and they verified as correct.The 609 law stated that they have to have actually proof that its mines and provide me with that. They have failed to do so. I even sent in Identify Theft form for one of the accounts. The accounts in question is 1.XXXX XXXX XXXX  2 . Bankruptcy XXXX 3. Bankruptcy XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attempting to correct my credit report with XXXX, XXXX, and XXXX. On my XXXX credit report states it states that I have an account with Mohela. I contacted XXXX to let them know that I do not have an account with XXXX because the account was transferred to XXXX. I disputed this claim and the during XXXX 's " investigation '', Mohela claimed that I do have an account with the company. In addition, it updated the account to say that I am past due. I am not past due on my student loans ; however, my payments are made to XXXX, not Mohela. 

I am attempting to buy a house and I can not have any past due student loans comments on my credit report. Furthermore, I am making my student loan payments so the information is incorrect. I called Mohela to get my account information and the representative again confirmed that my account was transferred to XXXX. Nevertheless, Mohela continues to report that I have an account with it and that payment is past due. This is negatively impacting my ability to qualify for a home. I provided XXXX with copies of the letter from XXXX and proof of payment, yet the company refuses to remove the information from my credit report. 

I also contacted XXXX to request the complete loan history from initial disbursement and transfers. I have not received this information. This information is critical to me correctly calculating my student loan payments. I personally believe the calculations are incorrect, yet I can not receive the documents from the initial Fall 2007 disbursement. I want the full loan history including the transfer information between lenders.
Product: Credit reporting or other personal consumer reports

Experian is reporting erroneous and derogatory information. 
See attachement below
Product: Credit reporting, credit repair services, or other personal consumer reports

I want my credit report unfroze so that I can get two credit cards. XXXX is for XXXX, the other for XXXX. Equifax was impossible to deal with. Primarily, the women on the phones accent is terrible and not understandable. Equifax can continue to freeze once I get the credit approved. 

Resolution : give my credit scores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Last 4digits of my SS card. XXXX
Product: Vehicle loan or lease

I bought a new car from XXXX XXXX in XXXX Kentucky on the date of XX/XX/XXXX. It is XX/XX/XXXX and as I was reviewing my statements, I found out the interest charged for the first payment was out of line with other months so I went on to create amortization schedule and verify if I was paying the correct interest and principal. 

I used the unpaid principal balance, numbers of period, and the interest rate on the installment sales contract to calculate the monthly payment that I should pay, as it turned out, I've been paying a higher amount than I should. Although the difference in payment is immaterial for the amortization term, I would still like to notify the company of this error and get it corrected. 

I called Honda Financial Services and explained the situation but they said I would have to talk to the dealer about it. Then I called XXXX XXXX and talked to a guy about the issue at the finance department. He looked into the issue and he told me the difference in the payment on my bill and the payment I calculated came from the extra days of accrued interest that added to the unpaid principal balance before I made the first installment. I was confused and it doesn't seem like he was really trying to help as he kept telling me I need to talk to XXXX XXXX as this is an interest rate question. I thought the conversation was going nowhere and I ended the talk. 

So my loan amount is {$19000.00}, amortize for 72 months at 1.9 %. I calculated the monthly payment amount to be {$280.00}, however I am paying {$280.00}. To back out the present value of the unpaid principal using {$280.00}, I get {$19000.00}, a {$15.00} difference in unpaid principal balance, I don't know where it came from and the dealership doesn't have an answer for me.
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 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 remove from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reached out to equifax Experian and TransUnion about accuracy on my consumer report and they come back verified and accurate but I pulled my report it was not and they violated my consumer rights FCRA laws, I ask for a reinvestigation but they refused to perform I circle a list of inaccurate accounts that was violated and is not accurate plus I submitted a attachment of all the accounts thats not accurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please check the attachments for mre
Product: Credit reporting

i was trying to remove a security freeze on done with Experian. 
for some reason their web site rejected my request ( even so i was able to do it in XXXX 2015 ) when trying to upload requested document - i was rejected as well. 
there is no way to contact with Experian and get someone to talk with me on the phone and solve the issue, their system is not enable fixing issues like the above which cause consumer to lose financial opportunists
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 
I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Citibank regarding a credit card account reporting on my XXXX report. They searched my social security number and there was no record of this account. So how is XXXX verifying this account with you guys if there is no records? This is wrong.
Product: Credit reporting or other personal consumer reports

I have tried several times requesting documentation and for the creditor to stop changing my credit report constantly. I've disputed with the credit bureau with no success and here a previous time before. My rights have been violated and I want my report to be corrected and the false reporting to stop. It clearly violates the FCRA. This company goes from voluntarily to involuntary repossessions they have garnished wages without notice then they have a wage assignment that clearly is not lawful as it does not have our social security numbers on it as required by Illinois law and we don't even remember being signing it let alone it being explained to us. They say they resold the car for an amount of {$2500.00} when it sold a few times after that for {$7500.00} or more. We have never been giving a notice that they were going to sell it, where it was sold, and when we ask about documentation for the deficiency they just write whatever they want or type it out on a paper with nothing to back it legally that they got {$2500.00} for it. They have put on our credit report that it was repossessed in XXXX of XXXX then again they put it on there in XXXX of XXXX. They've done a hard inquiry on our credit report the month of XX/XX/XXXX for no apparent reason We have never applied for credit since with them. They have moved the terms from XXXX months to XXXX months They are constantly changing things on the credit report and it needs to stop. I want this resolved immediately. Enough is enough and this needs to be looked at The paperwork I've turned in needs to be looked at etc It's not being looked at or it wouldn't be on my credit report like this. And besides the above problems.. this company completely ignored the governor of Illinois executive orders during XXXX. Wages being garnished as well as a repossession because it was voluntarily repossessed but they've changed it back and forth on our reports so if they go with the repossessed they shouldn't have done that during that time because it was XXXX and an XXXX order was in order by state of Illinois governor. I don't think it's right companies like this keep getting by with playing on people that have to use such car lots because of credit problems or because of income. They need to be held accountable. And turning off someone's car during XXXX and for that person not to get to the doctor. As I said in a previous complaint CFPB took other car companies to court because of the same issue turning off cars keeping people from working or seeking medical attention. I hope this is the investigated to its fullest and the resolution of this matter is taken seriously and done properly