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

I am using Experian On Line and have been having great difficulty in getting my complaints to Experian. There is no email address to contact Experian directly. They have continued to be unresponsive to my issues. 1 ) They have listed a delinquent account ( XXXX ) as a Collections account by court order but that is not the fact. This account was done as a negotiated settlement with XXXX XXXX XXXX before any court order was made. It should be list as a settlement in process. 2 ) Their so-called " Boost '' program lists only one self-reported account but I have consistently paid for XXXX XXXX XXXX and for XXXX XXXX that qualify as a Boost account. 3 ) Two accounts were list as delinquent for just thirty days but I have said that I mailed in my payment but mail from XXXX and XXXX, Hawaii, have gone missing/lost on many occasions. No response or correction was ever made. I am so frustrated with Experian irresponsible assemblage of my credit history. I am a unique customer that deserves to be listened too and assisted in a fair and objective way. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the Credit Bureaus to investigate every piece of information on the accounts I have listed below. I also have the tracking number for the letters because i sent them certified mail so that i can be sure that they have received them. According to the FCRA the Terms " Investigate Consumer Report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated that my account was verified, but how is that possible when they did not do a proper investigation according to the law? Also every piece of information on these accounts are still not 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

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

I am submitting this complaint because of a Hard Inquiry on my Credit Report by Comenity Bank for a XXXX credit card on XX/XX/2022. ( Appears as COMENITYCAPITAL/XXXX  ) XXXX I have NEVER applied for a XXXX credit card, therefore, the hard inquiry by Comenity Bank is totally unauthorized. I reached out to Comenity Bank and they denied the inquiry stating, " they are unable to explain my credit report ''. They advised me to contact XXXX directly. XXXX confirmed the inquiry and advised me to file a complaint and send copies of the complaint to them to have the hard inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX To : NetCredit/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX CEASE and DESIST Order I, XXXX XXXX XXXX XXXX a federally protected consumer, did not give XXXX XXXX D/B/A CEO of NetCredit, or NetCredit, lawful authority or consent to obtain or disclose my nonpublic personal information. Pursuant to 15 U.S.C 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) t ( C ). I am aware that transferring another persons identification information without lawful authority or consent is a violation pursuant to 18 U.S.C 1028. Pursuant to 15 U.S.C 1692c ( c ), I hereby order XXXX XXXX D/B/A/ CEO of NetCredit and NetCredit to CEASE and DESIST communication ( The term, communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ) I am demanding XXXX XXXX D/B/A CEO of NetCredit, and NetCredit to CEASE and DESIST communication with my Consumer Report and remove the inquiry from my Consumer Report immediately! I am aware that furnishing this inquiry on my Consumer Report is in fact communication. In General.- The term, Consumer Report means any written, oral, or other communication of any information by a consumer reporting agency pursuant to 15 U.S.C 1681a ( d ) ( 1 ). If XXXX XXXX D/B/A CEO of NetCredit, or NetCredit fails to comply pursuant to 18 U.S.C 894a ( 1 ) ( 2 ), XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be fined under this title and imprisoned not more than 20 years or both. Pursuant to 18 U.S.C 1028A ( 1 ) ( 2 ) XXXX XXXX D/B/A CEO of NetCredit and NetCredit shall be imprisoned not more than 5 years. Under Florida Security for Public Deposits Act, any qualified public depository or other bank, savings association, or financial institution or custodian that violates a Cease and Desist ORDER or corrective order of the Chief Executive Officer is subject to an administrative penalty not exceeding {$1000.00} for each violation of the order. Furthermore, the violation of any order to cease and desist is a misdemeanor of the second degree, punishable as provided by statute.I will be forwarding this to the Attorney General, XXXX XXXX as well. 

With Prejudice, XXXX XXXX XXXX ( A Federally Protected Consumer )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting a Redeemed repossession and Redeemed or reinstated repossession in the comment section ( s ) on both my Experian and XXXX credit reports. The repossession took place in XX/XX/XXXX. The comment should be removed since its been more than 7 years since my initial late payment that lead to the repossession per 15 U.S. Code 1679c - and FCRA 605 ( a ) ( 5 ).

This comment is still having an adverse impact on my Experian and XXXX credit reports affecting my score. 

I submitted a dispute with both Experian and XXXX on XX/XX/XXXX, after obtaining my payment history ( attached ) from XXXX XXXX XXXX which clearly outlined the dates of the repossession. Neither credit bureaus have removed the comment despite providing them with proof that the repossession occurred more than 7 years ago now. Instead, they just changed the name of the original creditor.
Product: Credit reporting

There are XXXX addresses that I have never resided. How do we get them removed?
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 


Accounts : XXXX XXXX XXXX- {$1400.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX XXXX - {$1200.00} - Date XXXX - XXXX. XXXX, XXXX XXXX XXXX  - {$520.00} - Date Opened - XXXX XXXX, XXXX Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX
Product: Debt collection

I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since  XXXX  and I had my bankruptcy finalized in  XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my  XXXX ,  XXXX , and all to other credit reports
Product: Student loan

The private loans have co-signers on the account. Navient continues to give inconsistent information to both myself and the co-signer. They are not being helpful with payment arrangements that are fitting for my budget. In 2018, I was enrolled in a program to become a XXXX  and I was working as a XXXX. Late payments and missed payments were still reported. I was XXXX  in a XXXX XXXX XXXX   as well and did not receive any information regarding forbearance, deferring nor possible forgiveness. These loans were given to us and the terms and conditions were not clearly explained nor understood.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. These accounts XXXX XXXX XXXX XXXXXXXX ], are not complete and accurate. 

[ XXXX XXXX XXXXXXXX ], open date is not reporting correctly, date of last active, report date, high balance amount, this account is not accurate
Product: Checking or savings account

On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. 

On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. 

The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. 

Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. 

PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. 

Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. 

During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. 

I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX {$440.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with experian a couple of times, I feel like they 're not properly investigating my dispute. And all they 're sending me every 30 days is a credit report no letter about the informations about investigation of the dispute. I have asked for them numerous of times.
Product: Credit reporting

Payment was received by company in a form of cashier check and they lost the payment. They requested me to send additional payment even after checks were cashed. i provided proof to them and they still did not take payment off my balance. I ended up having to double pay and then payments later they credited my account. I need them to remove my late payments
Product: Student loan

I am working towards loan forgiveness through the XXXX XXXX XXXX XXXX program. I should be credited with making approximately 115 " qualifying payments. '' Fedloan is crediting me with 94 " qualifying payments. '' Lump sum payments were previously made on my behalf through the US Department of Justice / XXXX XXXX Justice program. Fedloan has credited these lump sum payments made while my loans were being serviced by Fedloan as " qualifying payments, '' but has not yet credited the lump sum payments made while my loans were serviced by XXXX or XXXX XXXX XXXX. 

Fedloan has been performing this review for nearly two years. Customer service will not give me an estimate of when the review will be complete. I'd estimate it would take less than one day to actually review my payment history and credit the payments. Fedloan will not permit me to communicate by phone or email with the department performing the review. Contacting Fedloan results in more " reviews, '' but never an actual answer. I've previously filed a complaint in XX/XX/2019. Fedloan responded by saying they were conducting their review. They never actually completed this review, yet the complaint was " closed. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you guy because my fiance and I are soon to be in the market to purchase a home. I prepared by checking my credit report to know my score. While doing so I noticed a few of items that are not mine. These items need to be deleted from my credit report. I reached out the the FTC and the local police. I am also doing this on my own behalf. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, XXXX, XXXX. Inquiries : XXXX  { XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Mortgage

Summary : There have been three times that my credit report has been ordered over the past two months which has resulted in a significant amount of my personal information becoming available to various, unsolicited, callers representing mortgage companies whom have disregarded any request to be removed from their call listings. 

I initially reached out to my bank on XXXX XX/XX/2023 to begin a mortgage application which included running a credit report. Following this, for approximately 2 weeks, I was bombarded by spam callers from various mortgage companies. Each time I answered the phone to a number I was not familiar with, they would ask for me by name, have many of my personal details and begin talking to me about financing options. I asked them to place me on their do not call list, and asked that they never contact me again. 

I still continued to receive spam calls from these companies. 

My credit score was pulled again around XXXX XXXX, and the whole above process resumed. 

This occurred again on XXXX XXXX when I was again working with my loan company which again required their pulling my credit report. 

I describe the callers from " various mortgage companies '' because there were very subtle differences between the name of the company stated that they represented. For example, today, I was called by a person who stated he represented " XXXX XXXX XXXX ''. Many previous persons identified the company they represented as something similar ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ). 

As a XXXX, I am often called by various medical care personnel relating to the care or need of a patient. Thus, I have a commitment to answer my phone even when it's a phone number that is unrecognized. 
The above mass calling I have received over the past two months has potentially jeopardized the care of my patients. AND, I am very concerned about the amount of my personal information that is being shared by the credit reporting services. 

My understanding of the Home Mortgage Disclosure Act ( HMDA ) is that when a person 's credit is pulled for a mortgage, that information is required to be published and publicly available. 
What I have a problem with, is that this act is also supposed to protect the individual 's personal information by modifying what is reported. 
What's being modified? Who's enforcing this? 
There has been a very clear correlation to my application pulling a credit report and my personal information becoming available to spam marketing. I feel that my privacy has been violated by this practice and my wishes to be removed from marketing calls has been dismissed. 
The value of reporting a mortgage application is, undoubtedly important, and realistically able to be shared with the public. But who applied, where they live, how much they make, how much they owe, and all of their contact information DOES NOT belong in any publicly reported information. 
Further, financial institutions who continue to practice unsolicited, unwelcome, solicitation for business, regardless of an individual 's wishes appears to be violation of several commercial operating laws.
Product: Student loan

AES has consistently misapplied interest payments on private student loan to previously serviced, but consolidated federal student loans. They paid XXXX XXXX {$9.00} on an account that was already consolidated ( two payments on two previous loans ), and refused the refund, and instead assessed a balance on my private student loan. I have full documentation of every on-time full payment made.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX the wire the international wire transfer was initiated from XXXX to Chase bank to XXXX XXXX for the amount of XXXX XXXX. XXXX digit of the Receivers account at chase was omitted. 
Multiple times in XXXX and XXXX the XXXX requested either a recall or correction of the account that were ignored by Chase. Since XXXX, I, the Receiver, requested a correction or recall to be executed, have provided all the supporting document. Chase is aware that the wire transfer is incorrect. Has reserved the amount on the wrong account so it can't be used but has not credited the correct account for more that XXXX  years. 
Stoped either reaching out to the 'wrong account ' owner or respond to me. 
Chase knows that I'm the write full owner of the int. wire transfer but refuses to credit me the money and has been depriving me of my funds. This is unethical, unfair and illegal practice by Chase. 

I have been reaching out to the Office of the Controller of the Currency ( case XXXX ), Chase replied to the complain with wrong fact that there was no recall requested, even when they have all the proves from the first year of the dispute. I was advised not to appeal to OCC but file a new complain with Consumer Finance.
Product: Debt collection

After submitting a dispute and information request to this company, they did not send me a reply or information regarding my debt. Instead, I believe they forwarded my information to another debt collections agency who reported the false debt to the credit bureaus.
Product: Credit card or prepaid card

The incident first accord XX/XX/2018 the. On XX/XX/XXXX my account was closed for the second time for the same reason which was no reason at all, and both times my credit score went down 60 points making me unable to get a house or apartment. This is taking a toll on my life and this can not keep happening Ive made all my payments on time kept my credit in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has been reinserted onto my credit profile without notice as required by law. Please see attachment for further details
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit reporting Act XXXX account number # XXXX - $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX XXXX. 
Have violated my rights. 15 usc 1681 section 602.8 states I have the right to privacy. 15 usc 1681 section 604a section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Bank account or service

PNC Bank refuses to close my accounts despite multiple requests and continues to forward spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
Product: Credit reporting

I have sent XXXX disputes over the last three months with no repsonse. You say there verified under FCRA 611 15 U.S.C 1681 how are you verifying that information. By law you have to investigate every dispute you get. You have failed to do that. You need to show proof of the information in your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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

My loan with Mpower financing was denied on XX/XX/year> stating that there are some delinquent pas and present obligations provided by XXXX credit. I have not seen the report and i do not know where that is coming from. I would like to see a copy of the report and if possible work on resolving every issue on there.