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

I have contacted Experian on several occasions regarding an account with XXXX XXXX XXXX. The first delinquency was reported to the credit reporting agency as of XX/XX/2016. When I log into Experian, there is a clear note that says " late payments stay on your report for 7 years ... '' I have contacted Experian on several occasions and have asked them to verify the accuracy of the information as well as the reporting and they have not done so. Experian continues to report the information on the behalf of XXXX XXXX XXXX even though it is erroneous and inaccurate. I have called and also supplied them with a copy of their own credit report, and it has been to no avail.
Product: Credit reporting or other personal consumer reports

Recently, I did a investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S Code 1681e ( b ) Accuracy of report 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.

15 U.S Code 1681e ( 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 ify 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. 
XXXXXXXX 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 received a notice in the mail on XX/XX/XXXX from a collection Debt company called XXXX XXXX XXXX. XXXX for a amount of {$620.00} from a company called XXXX XXXX based in XXXX, Michigan which is back dated to XX/XX/XXXX. I have never gotten a notice form XXXX XXXX for any unpaid balances nor have I ever lived in XXXX or signed up with the company XXXX XXXX. I have called XXXX XXXX as they told me I would need to fix it with the collection agency XXXX XXXX XXXX. I also filed with XXXX credit for fraud and Identity theft. They could not resolve the situation and XXXX XXXX XXXX. XXXX has said that I need to Supply more information. But when asked what is needed to supply it isn't a straight answer. I've been dealing with this for over 2 months now because everything is mail from XXXX XXXX XXXX. XXXX and it has taken a toll on my credit dropping a significant amount in point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, have 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.
Product: Money transfer, virtual currency, or money service

my paypal account suddenly hit a permanent limit, I can't receive or take the money in my account.
Product: Credit reporting or other personal consumer reports

I have rental and car notes in my name when its not mine my information was stolen in an identity breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 hard inquiries had been wrongfully placed on my credit report by your office and you are being held responsible from here on OUT the account youre currently reporting is : XXXX XXXX XXXX XX/XX/2021. 
To whom it may concern I want to inform your office that you are in violation of FCRA you have violated my rights by reporting false innacurate information by placing this false account on my consumer credit report .The account that is being reported as me I have no knowledge of them, be adviced by law I have the right to PRIVACY and you the credit reporting agencies have violated it.The of accused hard inquiries and dates FOLLOW AS XXXX XXXXXXXX XXXX XXXX LAW WHEN A CONSUMER STARTS A DISPIUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNTS THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCY AS FOLLOW TRANSUINION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA.Under the 15 U.S.Code 1681-Congressional findings and statement of purpose ( a ) accuracy and fairness of credit reporting the congress makes the following findings . ( 1 ) The banking system is dependent upon fair and accurate credit reporting.Inaccurate credit reports directly impair the efficioency of the banking system and unfair methods undermine the public confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.TO ADD ON THE CREDIT REPORTING AGENCIES HAS REMOVED /DELETED THIS FALSE COLLECTION ACCOUNT ALONG WITH OTHERS BUT YOU TRANSUINON ARE REPORTING THE FALSE INNACURATE INFORMATION.
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. 

This company continues to report a 30 day, 60 day, & a 90 day late payment to XXXX, Equifax and XXXX from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( 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 ( a ) In general 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.

- I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting or other personal consumer reports

I noticed XXXX unauthorized inquires on my credit and I would like them removed as soon as possible. I have never tried to open a credit card account with neither of these companies. I will provide my ID in the documents to verify my name and birthday. Over all identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a credit card with XXXX XXXX XXXX .They have been reporting for several years that I was late on payments which I was not.I paid the account off in full and they are reporting it as a charge off.After 2 years of trying to work with them and a Verbal agreement that they would remove the damaging " Charged off '' status..They have not. 
I demand that they remove the charge off from my credit reports.The account is at a XXXX  balance and this is constantly damaging my FICO score.
Product: Debt collection

Received a call from an unknown number at my desk at work, the gentleman introduced himself as, " XXXX, '' and continued with the Mini-Miranda disclosure. He advised that he was calling from AFNI, regarding a debt, I informed him that I had previously requested no calls were to come to my place of employment, and to please note the account. XXXX acknowledged that, '' my account had been documented from my previous conversation, the number must not have been taken out. '' And then continued to pursue payment for this debt. I advised XXXX that continual calls at my POE are a clear FDPCA violation, to which he continued to attempt to collect on this debt. I promptly ended the call at that point telling XXXX to have a nice day.
Product: Checking or savings account

XX/XX/XXXX i received a letter from alliant credit union stating that they voted and that XXXX of them decided to close my account, no reason was given however my account has no wrongdoings, and i didnt receive any infomation as to why my account as closed, and no warnings, only that on XX/XX/XXXX all my accounts will be closed
Product: Mortgage

In the beginning of XXXX, my mortgage was transfered to United Security Financial Corp, aka : XXXX. Since then, when I receive a statement, the payment sent is applied wrong. I have called them several times, talking with persons who seem unconcerned with customer satisfaction. Recently ( XXXX/XXXX/15 ), I called and spoke with XXXX about the " unapplied '' funds which on the payment coupon is specifically stated as extra to principal or escrow. I was on hold for a while and finally asking what was taking so long only to be told : " I 'm trying to get someone to help me with this '' After some time, he asked me how I wanted my other " overages '' applied. ( I pay extra each month to either escrow or principal ) When I asked how much monies we were talking about, I was put on hold yet again. After XXXX minutes I hung up. This is my mortgage, my home. I feel that my mortgage servicer is not being competent in servicing my loan and would like someone to look into it 's practices. The address I have been sending my " on time '' payments to is : XXXX XXXX XXXX, IL XXXX. I would appreciate any correspondence from cfpb. Thank You.
Product: Credit reporting or other personal consumer reports

All 3 bureaus failed to follow proper credit reporting procedures and laws throughout my past 3 months in the disputing process. On XXXX I sent certified mail disputes to all 3 bureaus regarding inaccuracies on my credit reports. Please see the attached document for more information on what went wrong. Here are the tracking numbers and evidence. 

( XXXX XXXX XXXX XXXX XXXX ) to Experian XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX to USPS Certified Mail, XXXX, XXXX, and Experian received notice of my XXXX dispute on these dates below XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX am XXXX XX/XX/XXXX, XXXX pm Experian After receiving notice of my XXXX XXXX XXXX Consumer Solutions removed the XXXXXXXX XXXX Account XXXX from my credit profile on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. I did not receive notice of this within the XXXX business days as required by the FCRA section 611. 

Similarly, XXXX XXXX XXXX XXXX, received notice of my 1st dispute and removed the fraudulent XXXXXXXX XXXX Account on XXXX. On XXXX, the XXXXXXXX XXXX Account was seen as re-verified and re-furnished on my profile. Again, I did not receive written notice of this within the 5 business days as required in the official FCRA 611 section. This is a violation of my rights and the account needs to be deleted off my profile immediately because of it and the inaccuracies pointed out. 

Experian did the same and failed to follow proper FCRA credit reporting procedures. The XXXX Bank account XXXX was re-verified and is still affecting my credit today. 

Alongside this, all of the companies did not provide me with any of the information I requested such as the proof and evidence that was used to verify the XXXX Bank account. I requested the investigation information very clearly in all of my disputes. Nonetheless, all three Experian, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, all failed to provide me with the information I requested. It is my right under FCRA consumer law and I am utterly shocked that all XXXX of the companies can not keep it together. 

Again, please see the attached document for more explanation of what went wrong.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to Obtain cred
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX and again on XX/XX/XXXX I answered my door to be served b two separate debt collection agencies. I can not express the alarm this put me in. I am a high-risk individual with XXXX XXXXXXXX XXXX and have a form of XXXX XXXXXXXX by which i take XXXXXXXX XXXX During this time the servers did not practice social distance, were not masked or wearing gloves and put me at enormous risk amid the Corona Virus pandemic, As it stands at this moment I could not tell you if they were carriers or not, I just have to wait and hope they were not. Taking advantage of a global pandemic is shocking and distasteful. I suffered a XXXX in XX/XX/XXXX and I can not even recall these debts nor research their validity. The risk these people took with my life is highly unacceptable and should not be practiced without proper protective gear or when the ability to do so is allowed. I have been sent home since XX/XX/XXXX, due to my high risk of the outcome if I contract the coronavirus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute with a police report to address an identity theft issue on my experian credit report. On XX/XX/XXXX, experian notified me of the results of this dispute and subsequent removal of this item. On XX/XX/2021 and XX/XX/2021 experian then stated they confirmed this account was mine and will continue to report it on my credit report. I received 3 dispute results that conflict with each other for an item that is clearly not mine.
Product: Debt collection

On XX/XX/31 I called the company at XXXX to inquire about the information reported. The answered NRA then stated National Recovery Agency so I'm not even sure if the company is legal because they are going by more than one name. I informed the agent I wanted to dispute. The agent informed me I would have to prove the account wasn't mine. It is on the company to do a through investigation on any account they report or collect not the consumer. The agent then informed me I could dispute but the account would remain active and open. If the company is doing an active investigation how would the account remain active and open during the investigation. I then requested a manager multiple times and the representative continued to say have a good day multiple times and end the calls. I as a consumer have the right to dispute any item not familiar to me on my report without being lied to concerning the process.
Product: Money transfer, virtual currency, or money service

last XX/XX/2020, i, XXXX XXXX, US cell phone XXXX XXXX XXXX, sent pesos XXXX to XXXX XXXX ( XXXX phone XXXX XXXX XXXX ) through XXXX XXXX an XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX, NJ XXXX after twelve days, the money is still not yet available. calls to them went un answered. they make everything difficult, and they said you can not call them while you are in the XXXX. my XXXX cell phone number is XXXX XXXX XXXX the reference number for this transaction is XXXX XXXX  told me to contact them through XXXX XXXX XXXX XXXX if contact them, they will just put down the phone. i tried their email XXXX. they will not reply. 

please help me recover my money from this XXXX scam.
Product: Debt collection

Midland Funding , LLC is attempting to collect the debt that I do n't owe. I never establish a contract with this company. Furthermore this company is violating the FCRA by placing a negative negative tradeline on my credit profile and they are tarnishing my name.
Product: Debt collection

I applied for an apartment online, I paid the fees which totaled XXXX, I requested to have my application moved to the other location. Once my file was transferred I received and email stating that my application will be work on the following Monday. I was approved for the apartment but by that time I decided to not move in for serval reasons. I contacted the manger and explain to them that I wasnt taking the apartment. Management stated no problem. Well two months later I received an alert on my credit report that a collection was added. Ive contacted the apartment complex several times and emailed and no one will answer. I reached out to the collection agency and was told it was an application fee which I provided proof of everything. The collection agency removed there indication of bad debt from one bureau but not the others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in XX/XX/2021 from a company that I had applied for mortgage pre-qualification. The letter listed the telephone number for Annual Credit Report to obtain my file from all three credit reporting companies. I called the number, provided the requested information inclusive of security questions to verify my identity. The automated system advised the reports would be received within 15 days. I received no such reports. On XX/XX/2021 I the bureaus direct, still no report. On XX/XX/2021 I called XXXX again but still no report. On XX/XX/XXXX, I downloaded the Annual Credit Report Request Form, completed the required information and mailed the form certified mail/signature confirmation but still did not receive my file from either bureau. I filed a complaint with CFPB and shortly afterwards I received my credit report from XXXX  and XXXX. The TransUnion  file was never received. I am attaching a copy of the request form. I attempted to contact TransUnion  direct but was met with rude and unprofessional conduct. The Annual Credit Report Request Form was sufficient for XXXX  and XXXX  but I can not get my file from TransUnion.
Product: Credit reporting or other personal consumer reports

I would like to have these 20 hard inquiries removed, that i did not authorize!
Product: Debt collection

I have received XXXX letters now XX/XX/XXXX from a collection agency on a debt ( that I do n't even remember ) from XX/XX/XXXX. However, I do remember that I had any and all debts discharged from a bankruptcy XX/XX/XXXX.
Product: Credit reporting 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 confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX. Account # XXXX XXXX. Account # XXXX XXXXXXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX. Account # XXXXXXXX XXXX Account # 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 7 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 the the information is inaccurate.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Was tricked into applying for a private loan with peaks under the guise that it would be a part of my existing loans with XXXX XXXX. 

Peaks offers no provisions for a deferment and refuses to offer me any assistance with repayment, I 'm XXXX dollars in dept and XXXX dollars behind, since I was not able to make my payment, my account is now XXXX days delinquent. 

If they had offered a forebearence option or an income based repayment like XXXX XXXX does, I would not be in this situation. Their collectors are calling multiple times a day. 
Im having a very difficult time managing the XXXX this is causing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report there is an amount of over {$5000.00} from a company XXXX XXXX  I believe that the name I cant go back and look now. They have called me numerous times asking me for this money I kept telling them its not me they keep insisting that I owe this money. I have no idea what they are speaking of. I have insurance and they say I went to this doctor. I have a XXXX XXXX and have my own doctors and never go outside of them especially to use a doctor who does not accept my insurance. I have had insurance XXXX  most of my life and then I was receiving XXXX so why would I go outside to someone I have to pay completely out of pocket. I cant believe this is happening
Product: Student loan

I have called Mohela 10 times address forms that have been submitted, I wait for 2+ hours in the phone and keep being told that the issues is being resolved. The issues has yet to be resolved. 

I have submitted the correct forms for Federal Student Loan Forgiveness ( Public Service ), these have been verified via the phone several times to be without error but they keep processing these as duplicate forms. No one can explain why this is happening. I have called and waiting on hold for hours several times being told this issue would be resolved. It has not. I have reached my 120 payments have submitted all appropriate paperwork and spoke to several supervisors .... yet nothing has been fixed