23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I initiated a re-investigation as is my legal right with Experian on information that they had failed to properly investigate. In direct violation of FCR A 611 ( 3 ) ( A ) - ( C ) [ 15 U.S.S. 1681i ], they determ ined the information as frivolous even though I had requested investigation of some different and very specific aspects of the records ( for example, due to their previous reply that they had not actually investigated the public record but instead simply went to another company to get information and not to the actual reporting body ) that was not presented when I previously disputed the information. Experian 's CONTINUED unwillingness to comply with my rights under the FCRA for information is causing me undue hardship, loss of opportunities for housing and is costing me actual monetary damages via higher interest rates, insurance rates and fees based on unverified and unvalidated information.     ADDITIONALLY, Experian has continually violated F CRA 606 ( 3 ) [ [ 15 U.S.C. 1681d ] in that  they have furnished an investigative consumer report containing a public record that has not been verified for accuracy of the information within a 30-day period ending on the date on which the report was furnished.     ADDITIONALLY, Experian has made applicable FCR A 616 ( a ) - ( d ) [ 15 U.S.C. 1681n ] Civil Liabality f or willful noncompliance. I am sharing the contents of this complaint with my attorney to decide on how to proceed to obtain damages from Experian unless this matter is satisfactorily resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I taken personal loan 4Years back in XXXX XXXX XXXX XXXX and I fully paid said amount... but they not update my last payment of XXXX but it shows outstanding balance of XXXX in XXXX  score ... Kindly resolve this issue..
Product: Credit reporting or other personal consumer reports

I have spoken with them many times on the phone over the years trying to get information on the account but I never received anything. I started learning about credit and the consumers that buy our debt and the laws and rules they have to abide by the company. Has ignored my request for information to be mailed to my residence, so I wrote them a letter asking them to update my information such as wrong addresses that they have on my credit report. Its been close to two  months since the letter has been sent out I have not heard anything back. 

The incorrect addresses that are non mailable XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX pa
Product: Debt collection

Southwest Credit System is reporting to all 3 credit bureaus regarding an account with a XXXX  balance that is not owed. I have attached the credit report showing how this account is reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company informed me via telephone that if I paid the total remaining amount that the negative reports would be removed because it was a clerical error as to why it was not automatically taken out to begin with. All they did was apologize and not fix the reporting. Dealing with a call center I asked for a research request in regards to the phone call complaining about the fact they weren't collecting my payments as well as the fact that I made a large payment and it was supposed to be deleted completely. Neither of these took place and I've made a minimum a 5 phone calls to get a resolution and I have not received a call yet. It is reporting correctly only because of the fact that their system was not taking my payments nor was I notified of any payments not being received until I reached out to them. The person who notes my account on my credit profile used ALL CAPS when saying my payments were late and attached my ledger of payments to for all lenders to see. This is completely against the Fair Reporting Act especially since they are refusing to pull the call of them being at fault. This is a false narrative of the type of borrower I am and I am completely disgusted as to how I keep being read scripts without any return communication or resolve. Whenever they changed the terms of my contract they did something to my account. They closed it as well before any late payments were made or reported. It's not even reporting consistently throughout the 3 Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to Experian, and XXXX. I have contacted the bureaus, but they merely rely on the XXXX XXXX XXXX and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX and Experian has reported differently. For example there is no account number on neither. The agency names are different on both XXXX and Experian. On XXXX the STATUS reports unpaid, where Experian reports Account seriously past due date/ account assigned to attorney, collection agency or credit grantor public collection department XXXX I want this deleted from all two credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name :1063 # Liberty Mutual. 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 15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer 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 that the information is inaccurate. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old account that just just popped up that was already settled with actual company, now it is on my credit report. What is concerning is what it shows. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX That is the company that is on the credit. However when you research XXXX XXXX XXXX they are based out of XXXX, Ga. The phone number associated with that account is NCS plus. 
XXXX XXXX XXXX This is very concerning as i feel that my personal information is being shared among other people not authorized and now are requesting access to payment even though it might be FRAUD. This should be 100 percent accurate however it clearly is not.
Product: Debt collection

I am not aware what this debt is for. I had no information in regard to it until I saw it on my credit report. The original credit or XXXXXXXX XXXX XXXX  has reached out to me in writing to provide information on this debt that they have reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

RE : Error in some of my accounts Equifax, XXXX & XXXX I have received a current credit report from your organization. Soon after investigating the various records, it is clear that the following accounts appear with no regard for accuracy as necessary by the Fair Credit Reporting Act. 

Creditor Information : XXXX  Account ID : XXXX Amount : {$9100.00} Description : As you learnt, by law, certain data in my report must be undistorted and verifiable. 

XXXX XXXX XXXX XXXX Account ID : XXXX Amount : {$0.00} Description : As you notice, by regulation, some data in my history must be correct and verifiable. 

XXXX XXXX  Account ID : XXXX Amount : {$0.00} Description : As you learnt, by legislation, some data in my archives must be factual and verifiable. I don't consider that the DATE OF LAST ACTIVITY information is correct so it should be right and established or destroy without hesitation from my track record. 

I'm actually worried about the consequences of this error given that I'm within the process of asking for a loan. 

I am asking to have these inaccuracies corrected as soon as possible, per my rights under the FCRA and Metro 2 guidelines.

According to the Fair Credit Reporting Act, you must conduct an adequate investigation when consumer disputes information on their credit report. Additionally, Metro 2 rules state that the data furnishers must provide accurate, complete, and up-to-date information to credit bureaus.

Moreover, should you be unable to verify the accuracy of these items, Metro 2 rules and FCRA require you to delete these from my credit record quickly.

I kindly request that you investigate the following discrepancies : 1. *Section 609 : * - I assert my right to obtain a copy of my credit report. Please provide a free copy at your earliest convenience.

2. *Section 611 : * - I am disputing inaccuracies in my credit report. Under Section 611, I request a thorough investigation into the disputed items to ensure the accuracy of the information.

3. *Section 605 : * - I want to highlight that negative information on my credit report should adhere to the permissible reporting duration outlined in Section 605. Please review and ensure compliance.

4. *Section 623 : * - According to Section 623, I expect furnishers of information to diligently investigate the disputed items. I urge you to work with them to resolve these discrepancies promptly.

I regardfully ask some instrument that carry my signature on this account, or the items must be deleted from your report within the next 30 days.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Also, be advised that the description of the procedure utilised to decide the accuracy and completeness of the info is hereby requested too, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX REPEATEDLY CALLS MY TELEPHONE WITH A XXXX NUMBER WHICH TELLS ME A NUMBER OF THINGS! PHISHING, POSSIBLE ID THIEVES, COLLECT YOUR NUMBER, AND I DO NOT HAVE ONE BROWN PENNY OWE TO THEM AND NO ONE ELSE IN AMERICA. THAT  XXXX XXXX XXXX IS IN VIOLATION OF THE FAIR DEBT COLLECTION ACT WITH NO LETTER TO PROCEED THEIR PHONE CALL, REPEATEDLY CALLS 4 TIMES. HAVE NO DOCUMENTATION ABOUT THE DEBT SUPPOSEDLY OWED. THIS IS A ORGANIZATION TRYING TO CALL DEAD PEOPLE TO PAY A DEBT BY A TELEPHONE NUMBER THEY PULL OUT OF A HAT! THIS IS THE MOST GROSS ATTEMPT FOR A COLLECTION AGENCY TO POUNCE ON THE AMERICAN PEOPLE THAT DO NOT OWE THEM OR NO ONE ELSE. THE COO XXXX XXXX SHOULD FOLLOW THE RULES ON THE CORRECT PERSON THAT OWE THE DEBT NOT JUST PHISH UNTIL YOUR COMPANY COME UP WITH A DEBT. THE DEAD PEOPLE IN THE GRAVE IS NOT COMING UP TO PAY THEM A DEBT. STOP THIS INCORRECT DEBT COLLECTIONS PRACTICES TO MAKE A BUCK! PROTECT US HERE IN AMERICA FROM THE PREDATORS XXXX XXXX XXXX
Product: Debt collection

I received a letter in the mail from ResidentCollect Inc. for an account that I did not open with them. I have never given Resident Collect my social security number or address. They contacted me via regular class mail with a letter dated on XXXX XXXX, 2015. This was and is their first letter that they 've ever sent to me. In the letter they stated that unless I notify their office within 30 days after receiving this letter, their office will assume the debt is mine and that they will obtain a copy of a judgment and mail me of it.
Product: Mortgage

Multiple phone calls have been placed to Flagstar bank regarding an overpayment of property taxes in the amount of {$5900.00}. I have requested that Flagstar request a refund on my behalf multiple times. Phone calls were made, dates include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. During these myriad phone calls, I was never able to speak with the same person twice, but I was told verbally that they had requested a refund on my behalf. I also emailed on XX/XX/XXXX and received no response. The XXXXXXXX XXXX XXXXXXXX confirmed today that there are no records of refund request from Flagstar Bank at all since XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I filed bankruptcy in WA state in XXXX, it included medical debt and payday loans. Today XXXX I received a call from a past employer stating a collection company contacted them asking for my income data as they want to garnish wages. They called to let me know, I called the company XXXX XXXX XXXX XXXX XXXX. XXXX XXXX proceeded to tell me that CCF Holdings has retained them to sue me for damages in the amount of XXXX. I asked who this was for, it was like pulling teeth he wouldn't give me dates. I asked " was this a pay day loan company '' he said " yes, an installment loan company '' I explained that I filed bankruptcy and included all payday loan companies, he said " well we wouldn't have shown on a credit report so they likely weren't included and you now owe the money '', I said I listed all accounts, I didn't use my credit report to determine who I was including in the bankruptcy. I also mentioned I never used a payday lender since the bankruptcy and that statue of limitations had to have expired by this point. He started yelling at me, telling me I needed to pay that they were coming after me and my wages would be garnished and hung up on me. I typically would think this is a scam and let it go, but because he in fact has contacted my past employer I feel they are trying to get money. I am at a loss as to what to do. I have never heard from them until now 10 years later. Is there anyone that can assist me? 

XXXX XXXX ( at the time XXXX XXXX ) XXXX XXXX They would not provide any account information or dates only CCF Holding, an installment payday loan and the amount they are suing me for {$2200.00}
Product: Credit card or prepaid card

I, consumer, XXXX XXXX extended credit to American Express XX/XX/2022. Theres no third party involved. I received a denial letter in the mail. Pursuant to 12 CFR 232.1, a consumer can only be denied employment or insurance. Their reasoning for the denial is NOT a valid reason according to Title 15. A FICO score doesnt have to do with anything a credit transaction. I sent off a letter on XX/XX/2022 informing them that I reject the our contract agreement. Yes, it is a contract because I gave them an application which is considered a financial asset. If they do not reconsider, I will pursue ligation. I have a case for Identity Theft because they created an account ( ending in XXXX ) and I havent received a card in the mail. I have an inquiry on my consumer report which is a receipt that a transaction was made. As of now, I have not received any benefit from the consumer credit transaction.
Product: Credit reporting or other personal consumer reports

they keep update incorrect information on my credit report and using account with listed under XXXX XXXX. 
i have change all my information to XXXX XXXX and there are incorrect inquiries. there are XXXX incorrect inquiries.
Product: Debt collection

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 215 USC 1681 SCETION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 UCS 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
Product: Credit reporting or other personal consumer reports

i have been a victim of identity theft these inquiries do not belong to me, they are reporting wrongfully on my credit file. 

inquiries - XXXX XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> THESE DO NOT BELONG TO ME I HAVE BEEN A VICTIM OF IDENTITY THEFT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the XXXX XXXX XXXX  account that XXXX is reporting 2-3 times. Each time, XXXX XXXX Equifax allows XXXX to report inaccurate information, changing the information reported each time. For example, upon updating the credit line was the investigation was completed ; it now reports my XXXX payment is 30 days -the XXXX payment is NOT DUE until XX/XX/XXXX. 
Furthermore, XXXX XXXX Equifax continues to allow the account to report that the XXXX payment was 90 days late when- a partial payment was made on XX/XX/XXXX and another on XX/XX/XXXX ; so a payment due on XX/XX/XXXX was not 90 days late.
Product: Student loan

Navient failed to process my payment timely in XXXX XXXX and again in XXXX XXXX. I consistently pay almost double my payment due and request the overage be applied to the principal. When I cancelled the check XXXX XXXX, XXXX after the payment I sent on XXXX XXXX, XXXX had still not been processed, Navient magically found my check and sent me a letter indicating I did not send the payment to the proper address. The address Navient gave me in the notification letter was the same address I sent my payment to every month including the XXXX XXXX payment. When this same circumstance occurred again in XXXX XXXX, I called Navient customer service and XXXX verified for me there was nothing she could do and no one she or I could contact to address my payment concern. I would just have to pay another {$50.00} to my financial institution to stop yet another payment they failed to process timely and would not acknowledge they even received. XXXX kept assuring me she felt sorry for me but could or would not provide any recourse to solve the issue. She tried to verbally run me around the bush so she would not have to admit I would end up having to pay more interest. It is basic mathematics. Navient is playing games so I have to pay them more money in the long run while they add extra interest for the next payment from principal that would have been paid if the payment was processed timely. It may not seem like much when they do this every so often ; but, when your outstanding loans are significant, this extra adds up. I have followed every protocol and procedure allowed by Navient to be financially responsible and I am being persecuted and punished because Navient is greedy. I made my payments every month even though I did not receive a statement with a payment coupon for XXXX XXXX and XXXX XXXX. I believe Navient was hoping I would not notice and miss my payment incurring late fees and/or extra interest on amounts that would accrue on a higher principal. Navient does not provide a mechanism to pay online and allocate the overage to go to the principal of the loan ( s ) which would provide instant verification the payment was received. The only mechanism currently in place to allocate overage payments to the principal is through paper check with an accompanying letter to signify the borrower 's wishes for the allocation of the overage towards the loan. Navient has consistently disregarded my wishes NOT to advance my payment due date ; also hoping I would not keep paying consistently and reduce the principal on which interest would be figured. Navient consistently engages in immoral and unethical business practices which could be construed as predatory practices meant to harm the consumer.
Product: Debt collection

This erroneous debt that doesn't belong to me from Portfolio Recovery Services. was deleted from my credit reports almost two years ago, on XXXX XX/XX/year> it was placed back on to my consumer reports. I am a veteran of the United States XXXX, and having negative items on my consumer reports is a violation of the terms of maintaining a security clearance. This erroneous negative item is placing my job and my security clearance in jeopardy. Please help me resolve this matter immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Equifax notifying them of the reinsertion of XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Equifax has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Experian ATTN Supervisor Legal Department, XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX  requesting the removal of an alleged account from my consumer report, stemming from identity theft. Despite more than 30 days passing, I have neither received a response nor has Experian ATTN Supervisor Legal Department, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  complied with my request, a clear violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). Attached is the letter mailed on ( Enter Date Mailed ), along with an updated FTC identity theft report.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally demand the deletion of the following accounts from my credit report, as they violate my federally protected consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Upon reviewing my Equifax credit report dated XX/XX/year>, I identified these accounts as either inaccurate or unverifiable. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( e ) ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report. Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation must be **deleted** from the consumer 's file promptly. I am invoking my rights under this section and formally requesting that these accounts be deleted from my credit report immediately. Additionally, 15 U.S.C. 1681s-2 prohibits furnishers of information from reporting any data they know or have reasonable cause to believe is inaccurate. These accounts should not continue to appear on my report, as they fail to meet the legal standards for inclusion. Please confirm the deletion of these accounts in writing and provide me with an updated copy of my credit report once these deletions have been made. Thank you for your prompt attention to this matter. I look forward to your swift confirmation that these issues have been fully resolved. Sincerely, XXXX XXXX