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

I noticed that there is an account from XXXX XXXX XXXX XXXX on my Experian credit report ; The only reason this account was brought to my attention today XX/XX/20 is because I was trying to buy a car at XXXX and when they ran my credit to see if I qualified for the auto loan, I was told that I did not get approved de to this account reflecting badly on my credit. That account is not mine. I never opened it and I did not allow anyone to open it in my name. I do not have any type of contract or agreement with this company nor did I allow them to access my credit file. I did not benefit anything at all from this account. I have already filed a police report and got in contact with that company to make them aware that they are reporting inaccurate/fraudulent information on my credit report.
Product: Student loan

Did not receive any notification that  Student  Loans were given to  Navient  to be serviced. Did not receive any statements, bills or notices from  Navient  with loan numbers amounts or any information. Had no idea that  Navient  even had any loans until  credit score drop ped over  XXXX  points and we pulled a copy of our report to see why. Then we saw we had  5  loans reporting as past due. How can a company do that without ever sending a statement, bill or any type of notification or even try to contact you to collect a payment prior to reporting it to the credit bureau. With  a Private Student Loan and Parent Plus Lo ans it was easy to overlook this smaller loan amounts. All other loans were thru  XXXX   XXXX  which we 've had no issues with. I just do n't understand how a company can work like this and give no notices to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX made a hard inquiry at Transunion on XX/XX/2020. I did not authorize this, as I did not apply for any sort of financing with them. It appears that this hard inquiry happened after I sought pre-qualification through XXXX. My understanding was that pre-qualifying for an auto loan does not involve a hard inquiry.
Product: Credit reporting or other personal consumer reports

FactorTrust, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute the accuracy of specific information on my consumer report, as permitted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request a thorough investigation into the following accounts to ensure compliance with federal reporting standards and to correct any inaccuracies.

Disputed Accounts 1. Child Support Enforcement ( XXXX, XXXX, XXXX ) Account Number : XXXX Status Reported : Collection/Charge-Off Balance Reported : {$12000.00} Remarks : Account seriously past due, assigned to collections I request verification of this accounts accuracy, including the original debt validation and all relevant supporting documentation. If verification can not be provided, I request that this account be removed from my report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) Account Number : XXXX Status Reported : Foreclosure/Repossession Balance Reported : {$6700.00} High Balance Reported : {$44000.00} This account appears to contain inconsistencies between reporting agencies regarding its status and balance. Additionally, I request a review of whether this account was reported accurately under FCRA requirements. Please provide documentation verifying the legitimacy of this entry or remove it from my report. 

Legal Basis for Dispute The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies maintain accurate and verifiable information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Additionally, under the Supreme Court ruling in XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX consumer reporting agencies must ensure that their data is accurate and does not cause harm due to inaccuracies. 

Requested Action Conduct a thorough investigation into these disputed accounts. 
Provide me with verification documents proving their accuracy. 
If verification can not be provided, remove these accounts from my credit report immediately. 
Send me written confirmation of the results of your investigation at the address listed above. 
Please consider this letter as my formal request for an investigation under the FCRA. I expect a response within 30 days, as required by law. 

Thank you for your prompt attention to this matter. Attached my state ID Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX 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

XXXX XXXX, XXXX, XX/XX/year>XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX DC - XXXX, XXXX XXXX XXXX XXXX - XXXX, and XXXX 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 seven years. 

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

A original debt when into collections from XXXX XXXX XXXX, for {$790.00}. The collection agency is known as XXXX. After working with XXXX XXXX XXXX financial aid department the hospital requested that the bill be removed from XXXX because I qualified for financial aid which cleared the debt. I was then sent a letter dated XXXX XXXX, XXXX stating XXXX XXXX XXXX ceased all collection efforts through XXXX. From XXXX XXXX I have contacted XXXX because the debt was still appearing on my credit report. I was informed by XXXX employees that their agency does not have any open account in my name. I then informed XXXX employees that I disputed the debt but Transunion stated that someone at XXXX sent a XXXX word response stating the account is still open for collections. The XXXX employee told me that is impossible for anyone in their agency to send a response for a debt that they do not have in their system. I was then informed that agency sent letters to each credit reporting agency requesting deletion of the debt. XXXX sent multiple letters as well as submitting documents through a program apparently called XXXX to Transunion credit reporting agency. I attempted multiple time to have the debt removed by filing dispute through Transunion, and each dispute was returned stating that the debt was to remain as an open collection. I disputed the debt 5 times before XXXX XXXX reported that they will no longer accept any dispute for that particular debt. 
I contacted XXXX collection agency multiple times to be informed that their agency has sent multiple responses to have the debt deleted. I then contacted XXXX to have a supervisor contact Transunion to see why the credit reporting agency refuses to remove the collection. On XXXX XXXX, XXXX I was informed by XXXX that one of their supervisors had spoken to the marketing department at Transunion and was informed that the debt would be removed in 3 to 5 business days. As of XXXX XXXX, XXXX the debt still remains on my credit report as an open collection causing unnecessary damage. I have contacted Transunion in regards to the deleting the debt and was informed that they refuse to delete the debt and that they will be keeping the debt open until XXXX. I have personally sent a letter to Transunion asking the debt be deleted from credit report as well as a copy of the letter sent to me from XXXX stating the debt of {$790.00} was to be deleted. Transunion denied receiving the letter and still refuses to delete the debt. Can someone please help me, If someone needs to confirm what I am saying they can contact XXXX at XXXX my case reference number is XXXX.
Product: Debt collection

i received a debt collecting letter from First Credit Services INC for the amount XXXX based upon the letter that i received ( attached ) it looks as though first credit services inc who is a debt collector is collecting on behalf of another debt collector XXXX XXXX XXXX. upon further research i learned that both companies first credit services inc and XXXX XXXX XXXX are not licensed to collect in my state of florida, with that i am certain that these companies have broken several laws.
Product: Checking or savings account

Fraudulent transactions occurred on my account and Wells Fargo has refused to reimburse me. Wells Fargo is in blatant violation of Regulation E, a protection for consumers in situations like mine. They refuse to respond to specifics and have lied to not only me, but the CFPB, XXXX, and law enforcement as well. Wells Fargo is a multi-billion dollar institution that has millions of insured dollars to protect customer like me. However, they get greedy and malicious because they believe they can get away with scamming me out of my money since I am a young customer. The acceptable solution of this situation is the immediate return of the {$5700.00} in fraudulent transactions that is rightfully mine. I have already contacted the OOC about Well Fargo 's violations of Regulation E and consumer protections. If they continue to skirt the law, they may leave me no choice but to pursue legal resolution. Wells Fargo has been wasting my time, sanity, and livelihood by not doing the right thing in this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

stuff showing on my credit report that are not mine please remove tham XXXX, transunion, and XXXX inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm confused as to why MDS Tradeline REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with XXXX as well as MDS however to no avail. XXXX said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with MDS knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XX/XX/XXXX and I have given MDS as well as XXXX more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow up endeavor to tell you that I am a victim of identity theft and I complain to questionspecific records in my document coming about because of the wrongdoing. The records I amquestioning connect with no exchanges acquiring any possession of goods, services or money that Ihave made or authorized. Assuming no one cares either way, block the noteworthy of any information inmy credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

When my loans were first coming into the repayment period, I was told that I did not qualify for an income-based repayment plan, despite the fact that as a XXXX I made exactly the same as every other intern in the first year of their XXXX training. I subsequently applied for forbearance over the following 60 months until graduating from XXXX when I could afford consistent monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my Experian and XXXX reports by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to XXXX XXXX XXXX, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by XXXX XXXX XXXX. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

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

I have never been late on my payments with XXXX XXXX XXXX, sent dispute letter to all 3credit agency, they did not verify it, still reporting that I have late payments.
Product: Student loan

On XX/XX/XXXX we logged into our NelNet account to change our password as our accounts had been compromised by a hacker. Normally, we make large lump sum payments on our student loans as we are healthcare professionals and often times the hospitals assist with our repayment. Therefore, the due date is always changing. Upon inspection of our account we found that our interest rate had increased to 3.5 % from 2.05 % because of a delinquent payment. Their office was contacted on XX/XX/20 with which we spoke to XXXX a customer service representative. She reported that she would send an email to leadership/incentive department regarding retracting the interest rate. On XX/XX/20 we were contacted by XXXX ; a resolution specialist whom then indicated that statements, phone calls and emails had been sent to our address on file however, the mail was returned because they had the wrong address. I then proceeded to ask regarding the phone calls and if there were any voicemails left. XXXX stated the computer had attempted to contact us 3 times but, did not leave a message. I then asked XXXX how are we able to respond if your computer does not leave a message and your company has the wrong address. He did not have an answer to that question ; just simply stated that NelNet was unable to reinstate our initial interest rate secondary to delinquency on our part not NelNet 's part. I proceeded to ask for his manager and he responded that he would have to email leadership and he/she would be contacting us however, it is unlikely that anything can be done. I asked XXXX to elevate the complaint and if he could contact the lender XXXX to see if they are willing to reinstated the initial interest rate. He stated that he is not allowed to contact XXXX but would be happy to escalate the issue. Today XX/XX/20 I contacted XXXX and spoke with XXXX ; she too reported she would have to research this issue and get back to me on Monday. This is a very frustrating and time consuming experience. We are both XXXX XXXX XXXX  workers and this loan is a XXXX  loan that is used to gain the XXXX  needed to XXXX  XXXX  XXXX. We are very disappointed that NelNet and XXXX would do this during such a crisis time and foremost, during a time when the healthcare community has taken not only a financial hit but a XXXX  health hit as well. If this is how front line workers are treated by these companies during a pandemic ; I would hate to see how we are treated on a normal everyday basis
Product: Payday loan, title loan, or personal loan

The threatening letters these agencies send out are just wrong and very scary, I do not appreciate being threatened to be thrown in jail or having my things taken from me. I also do not appreciate being threatened to have my wages garnished especially when I live in a non wage garnishing state, and to be threatened that they will call my job and friends and family to discuss my debt should be punishable. I do not see how they can get away with threatening people like this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They could not provide me with the following information : XXXX. Name and address of the original creditor XXXX. The amount of the alleged debt XXXX. Itemized statement of the alleged debt XXXX. Proof that they are authorized to collect this debt on behalf of the creditor. 
XXXX of debt is within the statute of limitations. 
I called each of these places and they could not give me any of the above information. These accounts have the wrong information. Under 15 USC 1692g FCRA law doesn't allow collection agencies to report incorrect information. This needs to be deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Reinvestigation of Inaccurate Information on My Credit Report Pursuant to the CARES Act, FCRA, and TILA Dear Experian Representatives : I am writing to you regarding an open credit card account that appears on my credit report, showing a late payment record in XX/XX/XXXX. This late payment occurred during the period when certain financial protections related to the pandemic were still in effect. Considering the protections established under the CARES Act, I request that this inaccurate entry be removed from my credit history.

I cite the following considerations based on applicable laws : 1. CARES Act : During the COVID-19 pandemic, the CARES Act provided consumer protections. Many creditors offered payment relief or deferments to impacted customers, and credit bureaus were expected to accurately reflect these accommodations in credit reports. I request that this account be reviewed under the CARES Act and that the late payment record be removed to accurately reflect the impact of the pandemic and any relief measures.

2. FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( a ) and ( b ) ) : 1681e ( b ) : This section requires credit bureaus to maintain reasonable procedures to ensure accuracy in credit reports. The inclusion of a late payment during this period is inconsistent with my financial situation during the pandemic and represents inaccurate information.

1681i : This law grants me the right to request a reinvestigation when disputing the accuracy of an entry in my report. I request a thorough investigation and the removal or correction of any inaccurate information on this account.

1681s-2 ( a ) and ( b ) : The FCRA requires information furnishers to update and correct any errors in reported information. I request that you contact the issuer of this credit card to ensure they report the account accurately, removing the late payment from XX/XX/XXXX. 
3. TILA ( Truth in Lending Act ) : TILA requires lenders to provide clear and accurate information about loan terms and conditions. If my lender offered a deferral during the pandemic, recording a late payment without proper notice and clarity may be a violation of TILA.

I ask that, upon completion of your investigation, you provide me with a full copy of my updated report along with a detailed report of any reinvestigation.

Thank you for your attention to this matter. I look forward to a favorable resolution within the 30-day period stipulated by law. 

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

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX  XXXX {$4000.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$580.00} XXXX   XXXX {$490.00} XXXX XXXX {$400.00} XXXX XXXXXXXX XXXX {$480.00} XXXX   XXXX {$1500.00} XXXX XXXXXXXX {$830.00} XXXX XXXXXXXX {$760.00} XXXX   XXXX {$720.00}
Product: Debt collection

I have asked for proof of this money the company the say they bought {$1100.00} is  XXXX   XXXX  and yet there is not record or proof on any of my credit reports and I have asked for a letter from the original debt and them and have received nothing to prove its mine PORTFOLIO RECOVERY ASSOCIATES Last reported :   XX/XX/XXXX     - {$1100.00} Needs Attention Overview You 've paid off 0 % of your collection amount.   Balance {$1100.00} Highest Balance {$1100.00} Opene d XX/XX/XXXX ( 3 m os ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Collection account Original Creditor Name  XX/XX/XXXX   XXXX  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX