23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Over the past two years I have been paying monthly payments to XXXX XXXX now Navient through my bank 's bill pay service. These payments have been accepted by Navient using the Navient account number I used to set up my bill pay service up until XX/XX/2017. I learned by phone on XX/XX/2017 that my Navient account was delinquent. I checked my bank account and found that the payment I made on XX/XX/2017 had cleared my bank account with Navient as the payee. I contacted Navient who stated they required a copy of my bank statement showing this debit to the account which I provided and Navient has confirmed its receipt. I was told to wait for their research process. I contacted them today ( 6 days following initial contact ) and found no progress had been made. They suggested something was incorrect with my billpay service. I contacted my billpay service through my bank and confirmed that payments made to my Navient account over the past year had been accepted by Navient to the account number specified. I did learn though that this most recent payment had been returned by Navient to my account with the indication that the account number did not exist. I verified this information again with the bill pay service representative who stated again that was indeed the notation made by Navient. I had not changed any account number on my bill pay service since the time I initially setup the bill pay account. I contacted Navient again this morning who told me the account number I have been paying to for the past several years was not an active account and did not exist. They informed me of a " new '' account number that I have. They stated that this was likely the cause of my returned payment. I have now been charged a delinquent account penalty and have lost the interest and reduction in principal on my account for the past month. Navient acts as if I had never made the payment on XX/XX/XXXX even though it is clearly shown on my bank statement and the funds were removed from my personal checking account on XX/XX/2017. So, how were my payments accepted for the past several months to an account which according to Navient does not exist? And how did I receive this " new '' account number? And finally, can I recoup my lost interest?
Product: Debt collection

National Credit systems has reported an invalid debt to XXXX XXXX credit file. After reviewing the documents sent to XXXX XXXX after debt was already reported to his credit file was totally out of line and did not follow the guidelines set by the FCRA. XXXX XXXX should have been notified prior to account being placed on his credit file. Also after reviewing the documents National Credit System sent theres not a signature or agreement between XXXX and XXXX XXXX. XXXX XXXX did not sign or agree to any contract with XXXX. National Credit System did not and can not provide any signed agreements between XXXX and XXXX XXXX. As XXXX XXXX council representative if this account is not removed immediately we will file sue with XXXX XXXX XXXX house accordingly. My firm advised XXXX XXXX to withdraw/ void payment. We also reached out to Elevations XXXX they also agreed there were no contract signed between XXXX XXXX and XXXX. We have reviewed all documents thoroughly and there is no signature or contract between XXXX and XXXX XXXX. Once again we will pursue damages caused by client National Credit Systems if collection account is not remove from credit bureaus. The penalty is up to {$1000.00} per reporting inaccurate information per each credit bureau. National Credit system has used illegal and unethical tactics to collect monies not owed which has damaged XXXX XXXX credit rating. My law firm will see this through entirely. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

Due to medical issues, I had to declare bankruptcy in 2014. The bankruptcy, including all medical collections, was discharged in XXXX 2014. I have worked really hard to rebuild and have been successful with everyone except Equifax. I have disputed a medical collection that they are reporting as open XXXX different times. Each time, they report back that the debt has been verified, although they have added comments stating 'Account closed at consumer 's request - Chapter XXXX bankruptcy ', and they continue to report the account as Open. This is negatively affecting my FICO score. Equifax will no longer allow me to dispute this online. It 's a really simple matter to mark the account closed and it is perplexing why Equifax ca n't seem to get it correct. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 Pentagon Federal Creit Union changed their reporting of discharged accounts and then reinserted the accounts, re-aging the reporting. Their action now makes it appear as if a XXXX XXXX XXXX  bankruptcy is now from XXXX XXXX. Their action has caused me to be denied credit and to be offered credit erms that would cost thousands of dollars more than had they not illegally re-aged their reporting. Their action caused a decrease in my credit score of XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provide evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( 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. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and Experian are showing different days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX2023 to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX, 2023. Ive already included this in my previous Complaint & I am including it again.,XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2500.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$680.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1600.00} ( Original Creditor : ) XXXX Balance : {$120.00} ( Original Creditor : ) XXXX Balance : {$77.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Reports of reversed payments from creditors. Hower banker reported insufficient funds. Chime account ledger disappeared. XX/XX/year>. Reported payment XX/XX/year>.
Product: Debt collection

I paid {$250.00} in application and deposit fees to a property management company, XXXX XXXX XXXX XXXX, for an apartment rental at XXXX XXXX XXXX XXXX XXXX XXXX The application fee was {$52.00} and a refundible hold deposit of {$200.00}. I canceled my application the next day, after I found out that company had multiple law suits against them, and requested my deposit fee be returned. They said they would process it within 2 weeks. After a month of not recieving the money I requested that my bank investigate and I was given a temporary credit to my account. After they looked into the matter for me my bank told me they could not hold the money as it was a legal matter that I would have to persue. This was likely because they charged the non-refundible fee and refundible fee together in one transaction. The dates are as follows : Paid date - XX/XX/XXXX, credit to me XX/XX/XXXX, fees returned to property management XX/XX/XXXX. 
On XX/XX/XXXX I received a bill from XXXX claiming I owed a moveout balance of {$250.00}. All I did was fill out an application and attempt to get my refundible fee back. This company called and emailed me regularly from the end of XXXXXXXX XXXX XXXX XXXX I told them multiple times they had the money I supposedly owed. They threatened to make reports to keep me from renting anywhere and send this fraudulent debt to collections. 
At the end of XX/XX/XXXX I got a letter from IQ Data International Inc. claiming that I owed XXXX XXXX XXXX XXXX. I called and told them I did not owe them and in fact they owe me for my hold deposit. I provided them my proof of payment via the email they provided and they still reported it to the credit agencies. I have also opened disputes with XXXX and requested a fraud alert. XXXX is refusing to remove the item from my credit even with proof of payment. This can't possibly be legal. The original parties involved are reporting fraudulent information but I can't get this removed from my report.
Product: Checking or savings account

In brief, I received a settlement check for the damages on my car from XXXX   XXXX   XXXX on Thursday XX/XX/XXXX, as I went to mobile deposit the check, ( since I live in XXXX  and the closest Bank of Wells Fargo is a 4 hour drive ) I noticed for some strange reason the maxim amount to deposit a check was {$2500.00} a day, Since my check was over that amount, I contacted Wells Fargo, I was informed they had no idea why it was set at {$250000.00}. I was given the option to Overnight the check to express deposit and was given the address in XXXX  Or. which was confirmed by an employee from Wells Fargo, it was the correct address.. I went to the Post Office overnight my endorsed check along with a deposit slip, to deposit the check into my account. I did receive confirmation that Wells Fargo did receive my check the next day Friday XX/XX/XXXX at XXXX XXXX.since then, I have been given the run around, spoke and explained my situation to several employees of Wells Fargo, with no success, as to why they have not deposited the check into my account. I have claim numbers, and the names of several employees I have spoken too. This is very frustrating and the important fact that I need the money to purchase another car. In closing I was told that when the check is over nighted to this facility, the check would be deposited the same day and the money will be available, why this has not taken place, or where the check is at Wells Fargo. I am looking for the money to be credited to my account.
Product: Credit reporting or other personal consumer reports

" On XX/XX/year>, I filed a dispute with XXXX. On XX/XX/year>, they responded claiming to have mailed investigation results, which I never received. They failed to provide : Required documentation proving how accounts were verified Names and contact information of verification sources Specific methods used for verification Copies of any communications with creditors XXXX merely stated accounts were 'UPDATED ' or 'VERIFIED AS REPORTED ' without providing legally required documentation under FCRA 611. This response violates FCRA requirements for proper dispute investigation and documentation. 
Disputed accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX accounts ) I request : Complete verification documentation Names/contacts of verification sources Detailed investigation methods used Copies of all creditor communications ''
Product: Debt collection

This is an attempt by XXXX XXXX XXXX, and Unifin, to collect a debt NOT owed, and that I believe is a result of fraud. 
The original account was from XXXX XXXX. I have been fighting this company to delete this account for over 5 years. 
The account is for cell phones. I have NEVER had a contract or any service dealings with XXXX. EVER. 
This has been disputed directly with this company, dusputed online, disputed with XXXX XXXX All to no avail. 
We are getting nowhere and I need help. I keep getting letters about the debt in XXXX and im XXXX XXXX male who does not even speak XXXX. I cant even read any correspondence.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital 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 the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> and XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late this has caused me a great deal of pain to see the list of my consumer laws that have been violated A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to me you all have broken the law and caused me great harm here are all the laws you have broken 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681s-2 - Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXXACCOUNT # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a format letter to Experian requesting that they PROVIDE me with all relevant information validating debt on the XXXX/XXXX  Account # XXXX being reported on my account. 

As of XX/XX/2020 I had not received the requested documentation validating the debt so I mailed another format letter out requesting this information. 

As of today XX/XX/2020, Experian has yet to provide the appropriate documentation validating this debt and therefore I request that this account be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX
Product: Debt collection

Shows on my credit score I owe money. I do not owe money to this company, I do not know about this debt. I keep getting harassed with phone calls. I want the harassing to stop and all negative remarks on my credit score from this company to go away, or Ill take them to court for harassment.
Product: Credit reporting or other personal consumer reports

I notified Experian of the errors on my credit report. Experian told me that " they reponded as VERIFIED ''. I don't know who they is, I do know that Experian is fraudulently listing a bankruptcy on my credit report along with XXXX accounts. None of theses items belong to me. I even wrote to the courts to get proof that this fraudulent information belongs ti me. and the courts said that they do not send any kind of information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer since 2023 and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : goodwill & quot ; adjustment to your reporting to the XXXX credit agencies. I have XXXX negative inquiries on the above referenced account that date back to 2023XXXX that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that XXXX and TransUnion is willing to work with me on erasing this negative inquiries from my Credit Report
Product: Debt collection

Looks like someone used my personal information to obtain some type of loan withXXXX XXXX XXXX, my name, social security number, phone number was used to obtain a loan without my consent in XX/XX/2023, now it has been sent to a collection agency, Nelson Cruz and Associates to try to collect for something that I did not do, the amount that was put on my XXXX XXXX credit report is for {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my frustration and dissatisfaction with the multiple attempts made to remove fraudulent items from my credit file. Despite repeated efforts, the fraudulent information persists, and I am left with unresolved issues that are negatively impacting my creditworthiness.

I discovered unauthorized and fraudulent entries on my credit report. These items are damaging my credit score and have the potential to affect my financial well-being. I promptly reported the fraudulent activities to your company and have made several attempts to rectify the situation. Unfortunately, the issue remains unresolved, and the fraudulent items persist on my credit file.

Despite these multiple efforts, the fraudulent items continue to tarnish my credit history. This situation has caused me significant stress and XXXX, and I believe it is imperative for your company to take immediate and effective action to rectify this matter.

I request a thorough investigation into the fraudulent entries on my credit file and a prompt removal of the inaccurate information. Additionally, I would appreciate regular updates on the progress made towards resolving this issue.

If this matter is not rectified satisfactorily within the exact timeframe from the date of this letter, I may have no choice but to seek legal counsel and escalate this complaint to the appropriate regulatory authorities.

I trust that your company takes matters of credit reporting accuracy seriously and is committed to ensuring the integrity of individuals ' credit files. I expect a swift and satisfactory resolution to this matter and appreciate your prompt attention to the concerns raised in this complaint. I am asking for your assistance to remove these fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX