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

Two of the credit reporting agencies are reporting the date they updated certain accounts on my credit report is this month. The information is still inaccurate. The bureaus have exceeded their statutory time to correct the issues and even attempted to mislead me. This is prolonging my ability to obtain a home loan, causing considerably higher interest rates on all financial products, and is detrimental to my family 's safety and security. 
In XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), inconsistencies between two different reports concerning a single consumer are sufficient for a plaintiff to withstand a motion for summary judgment on a claim under XXXX ( b ). 
I pulled the attached report XX/XX/XXXX ( today ). I have highlighted the exact discrepancies as well wrote notes. All accounts show an incredible amount of inaccuracies between your agencies ( XXXX ). As of yet, I have not received and proof of debt nor any proof of accuracy from any agency. The Department of Education, XXXX, New York XXXX XXXX accounts need to be deleted immediately.
Product: Debt collection

Multiple calls after a stop call letter was sent. Using phishing numbers to try and collect an old debt from 4 years passed. Was taken off report in XXXX then resubmitted in XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Experian for failing to conduct a proper investigation into my disputes and for falsely accusing me of using an unauthorized third party to submit my requests. Additionally, Experian did not respond to my initial dispute letter. 
I mailed two separate dispute letters to Experian regarding inaccuracies in my personal information and accounts listed on my credit report. To verify my identity, I included copies of my photo ID, Social Security card, and a recent bill showing my current address. 
The first letter was mailed on XX/XX/year>, via XXXX certified mail ( tracking number XXXX ), but I did not receive any response from Experian via mail or email. Subsequently, I mailed a second dispute letter on XX/XX/year>, to which I received a response dated XX/XX/year>. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, when a consumer disputes the accuracy or completeness of information in their credit file, the credit bureau is required to conduct a reasonable reinvestigation to verify the information. XXXX failure to fulfill this obligation constitutes a direct violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   I have disputed with numerous times and they are not deleting items that are not correct or updating correctly at all I have copies of incorrect items. I have disputing an item for a a year. There is a collection on here for  XXXX  from  XXXX   XXXX . I have no knowledge of this account. And in over a year they have never contacted me nor gi ven one it em of proof to myself or   XXXX   validating this. This is not mine. Both  XXXX  and   XXXX   deleted this off my credit report. Also my Chapter  XXXX  has been discharged.     In Chapter  XXXX  the account was paid 100 % to plan. Meaning 100 % of debts paid. Equifax is reporting all   XXXX    XXXX   XXXX  as negative and not being paid as agreed which i s FALSE. T he other  XXXX  agency 's have the correct total of  XXXX  balance on all which is correct. Equifax is not properly investigating any of these and continue report inaccurately driving my score down  XXXX  pts.     Also inaccurate credit inquiries I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that the following companies ( Equifax, XXXX, XXXX ) are reporting inaccurate and incomplete credit information. 

I am distressed that the aforementioned entities have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they've published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and deleted from my credit profile. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX BXXXX  Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXXL XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number XXXX XXXX The balance is {$0.00}, please correct FPDCPA Section 808 Unfair practices USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 808 Unfair practices USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX The balance is {$0.00}, please correct 15 US C 1692 Validation of Debts USDOE/XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

FPDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please investigate and delete from my credit report. 


The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct FPDCPA Section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX The balance is {$0.00}, please correct
Product: Credit reporting, credit repair services, or other personal consumer reports

I have entered into an agreement with the creditors. I have maintained my part of the agreement and the credit bureaus refused to update the information on their system. Eventhough i sent them a copy of the agreement and the payment histories
Product: Credit reporting, credit repair services, or other personal consumer reports

3 company with inconsistencies, violations and double jeopardy ... 
I requested to EXPERIAN an investigation for reporting " past due balance '' and " 1 month term '' in collection account from XXXX which represent a violation to FDCPA ... 
The answer from EXPERIAN was a verification from XXXX as shown in their own report attached in this complaint.. 
EXPERIAN is confirming with XXXX the violation ... 
I decide to call XXXX to obtain an explanation but the answer was they has been transfer or sold the account to XXXX , XXXX XXXX XXXX to collect the account .... 
Now XXXX is reporting to EXPERIAN an account that is not marked as sold of transfer with a Balance ... So, EXPERIAN is in violation of the FCRA by reporting inaccuarate information and failing to do a proper investogation.. 
Now XXXX, XXXX XXXX XXXX is asking around XXXX dollars over the original balance requested by XXXX at the same time is reporting another balance to EXPERIAN ... 
Account XXXX XXXX Violation to FDCPA, Violation to FCRA and double jeopardy ... 

Attached proof of XXXX balance reported to EXPERIAN before and after investigation and a letter from XXXX, XXXX XXXX XXXX collecting another balance for the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed 2 disputed about a bankruptcy that is reporting on my credit. As of today XX/XX/2022 they concluded my investigation. The conclusion came back stating that they verified the bankruptcy illegally through a 3rd party. By law this is not a way to verify and the verification must be through the court directly. They claimed to verify this account through Lexis Nexis. This is illigal considering my lexis nexis account is frozen due to fraud, they 100 % could not a verified with them anyways. This was a flat out lie and they did not investigate this, if they did they would of know per law it must come directly from the courts. I contact the courts myself to see if they inquired and they said they do not respond to any inquiries from the credit bureaus or lexis nexis. There for both are in violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see that the accounts on my credit report were misleading when I reviewed it. The 3 credit bureaus must validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$470.00}
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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: Mortgage

In XXXX of XXXX I called Bank America customer line to let them know the past due and due amount were coming and to document. The person said " I can do one better how about 4 more months? '' I was tricked into a fake extension and even thouch I received no phone calls or letters, when I went to pay the agree upon time and amount, the bank would NOT take my payments and refused to take any additional payments. I was set up to default and set up to not be given a way out. Ultimately in XXXX they foreclosed and dismissed in XXXX ( florida ) then in XXXX my loan was sold ( even though it wasn't legal to sell given in was an in house loan not conventional mortgage, to rushmore. They filed foreclosure again despite statute of limitation expiring twice and won due to bad judge and bad defense.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : INPUT INQUIRES AND DATES ( CAN COPY AND PASTE FROM DOWNLOADED FTC REPORT ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX RESOLUTION : Please delete the inquiries listed and send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX
Product: Mortgage

I have had my HELOC for a few years now, but recently my loan was sold to Shellpoint Mortgage like 8 months ago. Since then, Shellpoint has added some random {$99.00} fee to my loan, and there is no option to pay the fee nor any explanation of the fee. They have also blocked any payments towards my principal, which I did every month. I was told to send my concerns via their " contact us '' messaging, and no one at Shellpoint has gotten back to me and it's been several months since my first message. So for over half a year I have missed out on paying down my principal, which has really messed up my HELOC. I have never missed a payment or been late past the 14th to receive a late penalty fee. So I have no idea what the {$99.00} fee is for and have no way to pay it. I really need Shellpoint to fix this immediately and figure out a way for me to catch up on my principal payments seeing how they are the ones that have restricted me and won't respond to any of my concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Whom This May Concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXX XXXX reported on XX/XX/XXXX As you Know it is against the law to report any information not proven accurate. 

I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity o the remark. 

I am not in dispute of ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from credit report. 

Best Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting or other personal consumer reports

Nordstorm Credit Card account has never been a late with a payment on this account, I called customer service directly on XX/XX/XXXX to discuss about my account on XXXX where it shows a late payment of XXXX  days this account has been on auto pay Since XX/XX/XXXX and I have never failed with payments I am requesting to remove this late payment from my report and reverse to paid as agreed, XXXX, XXXX and XXXX along with any other CRA can not report any negative information
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and today I noticed an account on my Experian consumer file that is currently under re-investigation. It change to charge off today without answering the earlier requests. As the amounts have been inconsistent and reporting inaccurately. As of today all of my request for evidence of the original creditor, contract, credit insurance disclosure, payment history, interest rate and pay-off disclosure have unfortunately been ignored by XXXX XXXX XXXX XXXX who appears to be be reporting inconsistent information regarding this charge off, The account number on XXXX appears differently than on Experian. The first date of delinquency reports XX/XX/2021 but the payment history reports XX/XX/2021 as current payment. The comment section appear differently further negativity affecting my creditworthiness during my financial hardship. Thank you for your attention.
Product: Credit card or prepaid card

The summary of this complaint is about the troubling experience that I am having with the Goldman Sachs administered Apple credit  card. It raises questions about systemic problems about Goldman Sachs account management practices, which are negatively impacting consumers like me. On XX/XX/2023, Goldman Sachs restricted me from making any purchases on my Apple credit card. There was no notification via email, text message, call or mail to let me know that has occurred. The only reason why I became aware of the situation was when I tried to use my Goldman Sachs administered Apple credit card to make a purchase. Based on my online searches, there are many people over the years who have run into similar situations, where Goldman Sachs essentially froze their Apple credit card and where it failed to provide any notification via email, text message, call or mail. Once I became aware of this issue, I contacted Goldman Sachs on XX/XX/2023, to find out what is going on. They stated that it was due to some security issue but that they could not provide me any information for security reasons. Such as what caused the issue or how long it would take to solve the issue. Over the past couple of weeks, I reached out to Goldman Sachs to find out what is going. According to my web searches, there are many others who have had the same experience. In all my years, I have never come across a company as incompetent as Goldman Sachs, in terms of their lack of transparency that they say is in the name of security. One of my XXXX devices was financed on a monthly basis that I put on the Goldman Sachs administered Apple credit card, not knowing of their reputation with such issues until my recent web searches to see if others have had the same type of issue. The response of Goldman Sachs is that they stated in the contract that it is essentially their right to freeze accounts indefinitely and that they are not required to provide me transparency. This is in violation of US Federal, State of XXXX XXXX  ( where Goldman Sachs is based ) and State of XXXX ( where I am based ) consumer protection regulations. Goldman Sachs has failed to provide proper notice and it makes me wonder whether this is perhaps in retaliation for an application of refund for a XXXX XXXX that was less than {$12.00}, which I requested back in XX/XX/2023. Due to their lack of transparency and proper notice unlike other credit card companies, it is hard to know what is going on with the company and whether things have gotten out of control with the way they run their credit card business. As an Apple customer and shareholder, it is troubling to see what is going one with the Apple credit card under Goldman Sachs.
Product: Student loan

I asked MOHELA my lender more about my missed payments on my 2 student loans why it keeps changing and why or if they can remove the missed payment from my credit report now that I pay on time payments and have for months I need them removed from credit.

So I received a disclosure statement saying they would relieve me for a give me disbursement for on 1 of my 2 loans both from MOHELA both unsubsidized loans from XX/XX/XXXX to XX/XX/XXXX {$1700.00} on the loan of XXXX and {$990.00} on my second loan for XXXX for dates XX/XX/XXXX to XX/XX/XXXX. Tried to message them to at least see about removing missed payments on my credit report and got no response and also am wondering why I was never granted the disbursement for the loans as well? I have screenshots and pictures as proof as well.
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 15 USC 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, ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, 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 an 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: Prepaid card

I was given XXXX American Express gift cards. Amex advertises that " Funds Never Expire '' and the expiration date on the cards are listed as XX/XX/30. When I attempted to use them recently, I found that they were not active and that funds had been sent to the State of California for Escheatment. They are misleading in their explanation of " Funds Never Expire '' and the Expiration date printed on their card. Additionally, when I asked how I was supposed to request the funds from the State of California as there is no name on the card for me to search, I was not given a clear answer as to how to obtain the funds.
Product: Debt collection

I have been harassed and abused by the Conserve debt collection company. They have attempted to collect a debt that I do not validate as I am the original creditor under 15 USC 1692g. Conserve illegally obtained my personal information without my written consent, because I never did business with CONSERVE, and they have failed to provide me a contract between Conserve and I stating I gave them the right to defer any payments to me or obtain my information. no consent is identity theft and CONSERVE is criminally and civilly liable under 18 USC 1028A. I've attached all the exhibits backing my claims. I expect the CFPB to force CONSERVE to remedy this situation with proper consideration that does not break federal laws.