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

In the process of trying to qualify for a deduction of my student loans, The Department of Education transferred them to XXXX. My credit report now shows double the entries for the same loans on my Experian credit report. I have disputed the entries twice, the last response being today XX/XX/, with no changes made. Their refusal to investigate and resolve this error have caused my debt-to-income ratio to falsely increase.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, Account Number : XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent in a letter to Equifax asking them to reinvestigate some inaccurate information I found on my report. I asked them to provide me with verifiable proof of these inaccurate accounts, and if they couldnt to Delete the accounts. To this date I have not received a reply.
Product: Student loan

It's incredibly frustrating that I'm only XXXX payments into this repayment period, and yet, I'm already experiencing issues with this company again My XXXX  XXXX stated that I was due {$220.00} by XX/XX/XXXX, and I paid {$220.00} on XX/XX/XXXX. 

The second bill showed a past-due amountobviously not trueand a new payment due of {$300.00}. I sent a payment of {$300.00}, and now my XXXX  bill shows a past-due amount. Again, not valid. 

Why is my payment not shown as {$220.00} monthly? This inconsistency is causing me a lot of financial XXXX. I will not tolerate this again. 

This company put my accounts in forbearance without my consent for years while the interest grew. I entered into payment agreements, and they made additional payments from my bank account, overdrafting my account. 

Navient 's actions are directly impacting my financial stability. I have requested an immediate correction of the billing errors and assurance of accurate future billing. 

These loans are from XXXX and XXXX. 

Navient states that the recent lawsuit against them does not benefit students like myself. This loan was originally contracted with XXXX XXXX. 

How do I stop this company from its fraudulent practices??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  DATA BREACH HAS CAUSED PUNITIVE DAMAGES TO MY LIFE BY ALLOWING SOMEBODY PURCHASE HOME AT XXXX XXXX XXXX IN XXXX XXXX TEXAS XXXX AND KEEPS REPORTING IN XXXX  NEXIS LEXIS AND XXXX  DATA BASES THIS IA FRAUDULENT PROBLEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally contacted Experian XX/XX/XXXX via written request to correct and remove old addresses from my report as they undeliverable to me by the U.S. Post office and they are not reportable as per the FCRA since they are in accurate. I provided proof of my identity along with proof of my current address. They removed one old address been then added an even older outdated address from more than 7 years ago. Every time I send a written request to delete an old address they delete it but somehow manage to add an even older outdated address which at this time are addresses from when i lived out of state as a teen. They even added the dates of these next to the addresses on my credit report which are from XXXX & XXXX. Im XXXX   years and they just added these which drops my credit score. Its obvious the Experian credit bureau is causing intentional wreckless damage to my credit bureau on purpose. I'm fighting this every month since the original letter from XXXX. Why would they keep going further and further back from when I was a teen in a different state. There are no accounts or lines of credit associated with these addresses they just added on my credit. There are no creditors adding this information this is Experian intentionally. They are not suppose to be seeking old negative information. They are only suppose to report what is reported not purposely seeking information to add to my credit report.They are in violation of the FCRA for purposely seeking negative outdated information to harm me. For intentionally reporting outdated information.There should never be any retaliation to a consumer when we update our information. This is a violation of the FCRA asoutdated or inaccurate information can not be added or reported. Yout agency need to look into the fraudulent behavior of this credit bureau. I want them to delete old addresses permanently from my credit report and stop researching old addresses. They were in violation of FCRA when they added addresses from XXXX and XXXX to my personal information. This information is way older than what I asked them to delete in the XX/XX/XXXX letter I sent certified. Im including the original letter I sent in XX/XX/XXXX and copies of every credit report since then of them adding old outdated information. The credit reports are from XXXX XXXX showing how Experian is adding outdated info. I just pulled my credit today and it shows previous addresses that were not there before and have not been on my report since I was younger one is from 23 years ago and one is from 14 years ago. I was XXXX and XXXX XXXX XXXX. Again, im XXXX XXXX XXXX. There are no creditors, no debt on my credit report associated with any accounts. Please see the proof.
Product: Checking or savings account

In XX/XX/XXXX, I closed my checking account with Truist Bank. Early this year, I tried to log in the online banking to access the tax form and the system did not allow me to log in. On XX/XX/XXXX, I called Truist Bank to resolve this issue but was told there is nothing they can do because the account was closed. They did not send the tax form via physical mail neither. Therefore, I can not finish my tax return due to a missing 1099 form from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 180 ) days late on the XXXX/XXXX XXXX  and XXXX. ( Please see attached credit report. ) I have also attached a spreadsheet with the account numbers to reference. These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I called all reporting credit bureaus Experian, XXXX, & XXXX all 3 bureaus advised to speak to the creditors and did not offer any other assistance.

Experian has a total of 16 inquires they are listed with name and date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

there were no codes to make sure youre sending it to the proper person and by mistake i pushed the one under the intended person. there was no confirmation just automatic withdraw of funds from my account. other services like XXXX XXXX has a double insurance to be sure youre sending it to the right person.
Product: Checking or savings account

I am writing to address an issue with the transfer of funds from my XXXX account to my Citizens Bank account. On Wednesday, XX/XX/XXXX, I requested an XXXX transfer from XXXX XXXX to my Citizens Bank account . Despite multiple checks on my account and follow-up calls with Citizens Bank on Thursday and Friday, there was no update. I was advised to contact the originator of the funds. 

On Friday, XXXX XXXX confirmed that the transfer was completed on Thursday, XX/XX/XXXX. However, Citizens Bank indicated that they had not received the funds. I was then informed on Saturday that my account had been closed in XXXX, and as a result, any incoming funds were automatically rejected. 

I have two other active accounts with Citizens Bank, on Monday I was told the situation was being reviewed. After extended wait times and multiple transfers, on Tuesday, XX/XX/XXXX, a gentleman stated that the funds were received, on XX/XX/XXXX. Citizens Bank had taken the amount of their fees that created the negative balance before they charged it off and then they placed my remaining balance on a twenty-day hold for verification, but did not try to contact me. I understand that procedures are necessary, but it seems unusual for an XXXX to take so long, especially given the use of FedACH or FedWIRE systems. I requested that the remaining funds be credited to one of my active accounts but was informed that this would be processed as a check refund, taking an additional fifteen business days. 

Given my long-standing relationship with Citizens Bank , I find this situation concerning. I have also experienced disruptions in our family life, due to the preventable delay, including internet and cell phone service disconnections, which are impacting my ability to manage daily expenses, responsibilities and seek contact with possible resources. 

I have been provided with Case # XXXX and have been advised to follow up. I request your assistance in expediting the resolution of this matter, including the potential reallocation of funds to one of my active accounts or prompt processing of the refund. Additionally, please confirm the status of the refund process and provide any necessary documentation or updates.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$6000.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXXXXXX XXXX : {$810.00} XXXX XXXX  XXXX Balance : {$590.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Upon reviewing my credit report, I noticed accounts that I did not open. These fraudulent accounts are harming my ability to secure credit. Please take action to remove them from my report.
Product: Checking or savings account

I made a transfer from Goldman Sachs USA and the receiving banking institution claims they never received it yet the banking receipt shows it was received
Product: Mortgage

I am getting unsolicited phone calls from this company. I have received over 25 phone calls in an hour. I asked them to stop and they keep calling. I am on the FTC DNC list.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX XX/XX/XXXX RE : Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX  XXXX is reporting a balance of {$5400.00} when it is my understanding and reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence there of. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 

If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you for your time and consideration in this matter. I look forward to hearing a favorable reply. Please forward any correspondence or changes to my credit report to the address listed above. 

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

On XXXX and XXXXI sent a letter regarding inaccurate items, late payments and unknown things on my credit report to this day over 75-105 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75-105 days so they should be deleted promptly. I have reached out to all companies but to no avail and no responses. Please help with these unfair challenges
Product: Payday loan, title loan, or personal loan

I had car repairs at my local, XXXX shop in XXXX, MS back in XX/XX/XXXX. My total car repair that day totaled about XXXX XXXX.The sales rep offered me a credit line through a company called XXXX XXXX  . It's funded through a bank or business called, Duvera. They gave me a 90 day same as cash option that expired after the three months. The payments made by the expiration of XX/XX/XXXX were {$850.00}, which left roughly {$1000.00} to be financed. Well the interest rate was 183 % or more!! I noticed the first statement after the 90 day period was like still a total of {$1900.00}. I made a {$350.00} payment in XXXX of XXXX, but I also went out on XXXX due to job injury in XXXX. I wasn't able to make the payments for XXXX, and while I was out for recovery, I noticed the extremely high interest rate. I haven't made a payment since. I need to know if anything can be done about this
Product: Debt collection

Account Name : WELLS FARGO BANK Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove it from my credit report.
Product: Credit card

XX/XX/23 : I paid an official XXXX XXXX taxi-cab with my CapitalOne XXXX card for a {$12.00} charge ( XXXX pesos ). The taxi driver confirmed the {$12.00} ( XXXX pesos ) but without my knowldge processed a {$1600.00} charge through another device. He could not provide me with a receipt. As soon as I stepped out of the taxi, I received a confirmation of the charge from CapitalOne asking whether the charge was legitimate or fraudulent. I immediately flagged the charge as " fraudulent '' and initiated a dispute with CapitalOne. By the time I realized the fraud, the taxi had departed. 
XX/XX/23 : I called CapitalOne, explained the details of the fraudulent charge, asked my XXXX to close my card and re-issue a new one. 
XX/XX/23 : I faxed/emailed/mailed via XXXX a letter detailing the fraudulent transaction to CapitalOne. 
XX/XX/23 : CapitalOne denied the dispute and closed the case without details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX & XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} CAPITAL BANK XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$340.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was unlawfully charged XXXX By the Department of U.S Education. 

I contacted the department of U.S education on XX/XX/2020 via certified mail ( XXXX XXXX XXXX XXXX XXXX ) with a notarized affidavit attached. 

I have yet to hear a response Validation of the assumed debt owed its been 30 days. 

Title 31 U.S.C sec. 3123 Title 31 U.S.C sec 5103 Title 18 U.S.C sec 8
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX claims that I owe them {$150.00} for pest control service on XX/XX/XXXX. 

Last service was provided by the company in XXXX of XXXX and the payment was made for the same in XXXX of XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has sent a letter through A.R.M Solutions , Inc. ( California License No. : XXXX ) to me, for debt collection. 

This is a false invoice XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and payment ask by A.R.M Solutions , Inc. because there was no pest control service from this company in XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXefuses to address the issue of incorrect invoice for no pest control service in XXXX and chose to engage A.R.M Solutions , Inc. ( California License No. : XXXX ) for debt collection.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding a concerning issue with my credit file. I've noticed a collection entry from your agency that I was not previously aware of, and I have serious questions about the accuracy of the claimed debt. Under the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. 

I formally request that you provide the necessary validation and take appropriate steps to address this matter. Please note that a comprehensive response, including all requested items, must be furnished within 15 days of this letter 's date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reorted incorrectly in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX