23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance {$590.00}
Product: Credit reporting or other personal consumer reports

In a review of my credit reports, I found that there are errors and incorrect information regarding a bankruptcy on my credit report. I disputed this with all the bureaus and the only one who did not remove the inaccurate information was Experian. They informed me that the third party stated it was accurate.

I then disputed it again with proof that the Data Furnisher I was informed they used had removed the record and to remove the inaccurate information from my report. I provided a letter from the courts that they do not report to Experian and I provided a letter from XXXX that the bankruptcy was inaccurate and removed. The other bureaus also removed this information. 
Again Experian explained their " Data Furnisher '' reported it accurately. 

I filed another dispute on XX/XX/year> asking Experian to provide the name and information of the company or their " Data Furnisher '' whom they are receiving their report from, as this information is not on my credit report. Also stating if they do not provide the information of who is giving them that information then they need to remove the bankruptcy record from my report for violating the Fair Credit Reporting Act ( FCRA ). 

Experian once again responded by ignoring my complaint and request for information and only stated the 3rd party they get their information from states that the Bankruptcy report is accurate. They did not provide the contact info or records with proof of their information I requested in my dispute. Another violation of the FCRA as Experian is required to provide the consumer with the information of who they got my information and the record they are reporting from. ( I have added the dispute and their response to this ) Even after filing my last complaint, Experian is only stating they verified with the data furnisher the info is correct without providing who the Data Furnisher is. Complaint XXXX & complaint XXXX I am filing this complaint to show Experian 's clear violation of the Fair Credit Reporting Act on multiple occasions in regards to an inaccurate bankruptcy they are reporting, and demand that they remove this per their continued violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights under sections 15 U.S.C 1681 section 602 A States i have a right to privacy, 15 U.S.C 1681 section 604 A 2 : it also states a consumer reporting agency can not furnish a account without my written instrutions,15U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reports containing any of the following items of information any other averse item of information, other than records of convictions of crimes which antedates the report by more than 7 years, U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On the XXXX of XX/XX/XXXX I opened a checking account at a TD bank branch in New York. 
A friend of mine was referring me. As advertised on my referral form I was supposed to get {$50.00} when one out of two criterion is met, and I quote, " no later than 95 days from account opening '' ( XXXX XXXX XXXX XXXX XXXX did comply with the two criterions : 20 qualifying purchases with my TD debit card within 60 days and more than 5 qualifying direct deposits of at least {$250.00} ( XXXX, XXXX and XXXX statements attached ) 4 months after the deadline I still haven't received this bonus yet. 

I reached out to TD bank several times : On the XX/XX/XXXX, the XX/XX/XXXX I wrote to the customer service online but they kept asking me to contact the TD Bank Store which the account was opened for further assistance ( XXXX XXXX ) On the XX/XX/XXXX I wrote an email to the branch representative that opened my account. No answer yet ( email-XXXXf attached ) I visited that branch on the XX/XX/XXXX and talked to a representative On the XX/XX/XXXX I sent the supporting document asked by this representative. No answer yet and no outcome yet ( XXXX attached ) On the XX/XX/XXXX I wrote to the customer service online that used again the ping-pong method and suggested to visit the branch ( XXXX attached ) I also called the TD bank customer service on the phone in vain
Product: Vehicle loan or lease

It is showing collection for over 10,000 and I was in a car accident and my full coverage insurance paid the car off in full
Product: Consumer Loan

Nissan Acceptance Corp is listing a debt on my credit report for all XXXX credit reporting agencies. This debt should not be listed on my credit reports as they have sold the debt XXXX to XXXX different collection agencies. I find it disturbing that all XXXX of these companies have attempted to collect on the same debt. I wish to have this debt removed from all XXXX credit reporting agencies. Lastly, this debt has been charged off and is also part of a profit and loss write off.
Product: Mortgage

In my XXXX past complaints with the cfpb about Caliber Loans, I received XXXX, conflicting responses to the same question which only adds to my confusion. According to Caliber, XXXX no longer owns my loan, yet Caliber has not registered this wit h XXXX land records. Their response was when it goes to sherrifs sale and is sold, then the transfer witll take place and that it was registered on XXXX XXXX and is pending. As soon as it goes through, I will be notified. As of XXXX XXXX land records has no record of this. 
Which is it?
Product: Credit reporting

There was a tax lien on my credit report. It should not have been there. I filed with the IRS to have it removed. They did remove it on XXXX XXXX, 2016. I also filed a dispute with Experian. They found in my favor and removed the report from my credit report. I checked my credit report today, 33 days after the paperwork was filed, and my credit score has not improved. I called Experian at XXXX. I was told that the main number from their website was the wrong number -- their department ca n't handle this. The representative then transferred me to their Membership department. I was told that Experian does n't have any control over my credit score!!! I said that is plainly ridiculous, as this is what their business does. I was then transferred to a " supervisor '' named XXXX who also said he had no control over it, and my report simply needed to be " refreshed '' by the Dispute department. XXXX in the Dispute department said that his department did not handle this, the Membership department does. I was irate, and explained that I had been transferred and put on hold for an hour and a half. I demanded to speak to someone in management who could help me. XXXX said he 'd transfer me and the number that he transferred me to had a " this number is no longer in service '' recording and then disconnected me. I must emphasize that I was not verbally abusive in any way -- I was direct and calm. I was patient. My ordeal ended at XXXX with no one taking responsibility. My request is simple : I was told that the lien was negative and lowering my score, I went to a great deal of trouble to have it removed. My score should improve. Period.
Product: Credit card

I had a greenlight card with FNBO and when they stopped offering the card we now deal directly with FNBO, I called to ask why my payment suddenly jumped from XXXX to XXXX and was told that they now charge 3 % plus interest and fees and and finance charges or {$40.00}. My previous payemnts were 3 % as I calculated, I asked for the originaql terms and agreements from my first time using the card and they said they would send it.

I dont think that becuase they closed the cards for all Greenlight users they should double the fees due each month as minimum payment.
Product: Credit reporting or other personal consumer reports

This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to States Recovery System. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing States Recovery and disputing for months with the three credit bureaus XXXX, XXXX and XXXX, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with States Recovery System. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.
Product: Debt collection

Midland Credit Management received our change of address over 60 days ago. Still continuously calls prior XXXX and more than 3x daily. I have communicated with them on lengthy phone calls the financial situation ; however, the calls still continue outside of regulations.
Product: Credit reporting or other personal consumer reports

There are some obvious errors in some of my accounts. Please delete these items immediately. It looks like someone literally started a life using my information. I have always paid things in cash and was astounded when I had someone look at my credit. I had previously hired a credit repair company to handle this for me a couple months ago. However, I think they are used to dealing with clients who are ACTUALLY GUILTY. So, I am trying to handle this myself. At the very least please delete these items below until a thorough investigation has taken place. I can barely purchase a bottle of water with what my credit looks like now. I have attached my passport and ID to verify my identity. I assure you none of these accounts will have MY SIGNATURE. Any signatures you XXXX have is due to the person mentioned in the IDENTITY THEFT REPORT stealing my identity and literally starting a life with my information. This is not a Dispute Letter but a Letter of Suppression of the items stated below due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I sent off a letter on XXXX XXXX about inaccurate and unverified information on my consumer credit report. I've sent out follow up letters on XX/XX/2023 to get an update and i have yet to receive a response to either my initial or secondary letters. It has been well over thirty days and i feel that i am being ignored. It is Consumer law that failing to investigate these issues within a thirty day timeframe is cause to have those items removed from my consumer report immediately. It has been forty days and they should be removed immediately or i will file for ligation to compensate me fore the troubles and stress this has caused. Not to mention the several data breaches with XXXX and Experian.
Product: Credit card or prepaid card

My XXXX/Wells Fargo card was stolen and {$3400.00} has been fraudulently charged to this account. According to XXXX, the charges were made at a XXXX in XXXX. I live in XXXX and have not traveled to XXXX
Product: Debt collection

XXXX XXXX XXXX {$620.00} balance updated XX/XX/2023. No action taken. I have been advising for years that I have never owned a XXXX XXXX credit card. I have been asking for the creditor to provide proof that they have an application with my signature and no application has been produced. 

Southwest Credit Systems/XXXX {$1000.00} balance updated XX/XX/2023. No action taken. I have been advising for years that I have never owned a XXXX device. They are updating this on my credit report as current and accurate information. I have been asking for the creditor to provide proof that they have an application with my signature and no application has been produced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Student loan

I am writing to formally address my deep frustration and concern regarding the ongoing handling of my student loans, which were originally with XXXX XXXX, later transferred to XXXX and have since been resold multiple times. I have been dealing with this situation since 2010 and, over the years, have seen various government forgiveness programs and opportunities that I should qualify for. However, none of these options have been made available to me, nor have I received any notification or guidance on how to take advantage of these programs. 

The lack of transparency and assistance from XXXX XXXX, Navient, and even the Department of Education has been both unfair and unacceptable. On top of this, I have been consistently harassed with legal threats, frequent phone calls, and letters, all while trying to negotiate a resolution. This has caused significant financial distress, as the unresolved status of these loans has negatively impacted my credit, my wifes credit, and our household 's financial stability. This ongoing issue has prevented us from achieving basic financial goals, including the ability to purchase a home. 

If a prompt and satisfactory resolution is not provided, I will have no choice but to seek legal action to protect my rights and rectify this matter. 

I expect a detailed response with clear steps to resolve these issues moving forward.
Product: Debt collection

Original creditor was XXXX XXXX XXXX XXXX whom I signed a XXXX year contract for alarm monitoring. Their company folded and XXXX XXXX XXXX picked up the account. 
I completed the XXXX year contract obligation in XX/XX/XXXX. At this point it went to month to month based on the contract. In XX/XX/XXXX I stopped paying for account as someone had gotten ahold of my credit card # that was used for auto pay to XXXX XXXX. 
Since my original XXXX year contract was paid as agreed I have no idea why XXXX XXXX XXXX decided to bill me for {$2800.00}. I had never received any bill or past due bill from XXXX XXXX. 
I started receiving phone calls from United Legal Group ( collection agency ) /Credit Collection Bureau in XX/XX/XXXX and I worked in good faith with them for at least 4 months trying to correct the issue. I requested and received a validation of debt via E-mail on XX/XX/XXXX from Credit Collection Bureau. I provided proof of my payment beyond contract date twice to them after receiving their validation of Debt E-mail. Twice they stated that they would take care of it. I didnt hear anything from them and now they have placed it on my credit reports as originally owing {$2200.00} and now owing {$3200.00} as of XX/XX/XXXX. I have the email chain, the validation of debt they sent, and the documents I sent proving I had paid my contract beyond the XXXX  years. 
I have worked very hard over my lifetime to keep my credit score XXXX which is now destroyed over this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent in letters stating the account I'm going to be listing in my complaint are not accurate and the Credit bureaus violated my right as a consumer. According to the FRCA section 15 USC 1681 section 604A, the law clearly states a consumer cant report anything on my credit report without my written authorization and you can clearly see these item on my file : the follow item are also reporting inaccurately XXXX XXXX account # XXXX this account date of last activity is in incorrect but this account was verified as accurate how is that so... 

XXXX XXXX XXXX XXXX  account # XXXX account Date of last activity is incorrect how was this account accurate? 

XXXX XXXX XXXX  account # XXXX the date of last activity is incorrect can be accurate XXXX XXXX  account # XXXX Date of last activity is incorrect cant be accurate and verified as such. 

XXXX XXXX XXXXXXXX XXXX account # XXXX this account is showing different dates for the date of last activity and the account showing an open account which incorrect but this account was verified as accurate which is a lie ....
Product: Credit reporting or other personal consumer reports

Equifax was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
Equifax reported that the account was open when it was closed. Equifax reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of an account reported by XXXX  on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate, complete, and verifiable information. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to protection from misleading debt collection practices. Below are the issues I have identified : XXXX. Inconsistent Reporting Across Bureaus : The High Credit amounts differ across bureaus : {$480.00} ( XXXX ), {$340.00} ( Equifax ), and {$0.00} ( XXXX ). Additionally, the Account XXXX Date is inconsistent. These discrepancies violate 15 U.S.C. 1681e ( b ). 
XXXX. Discrepancy in Last Reported Dates : The Last Reported dates vary : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( Equifax ). These inconsistencies indicate a failure to maintain accurate and updated information. 
XXXX. Potential Obsolete Reporting : The Date Last Active is listed as XX/XX/XXXX ( XXXX and XXXX ). If no activity has occurred since then, this account may be nearing or exceeding the seven-year reporting limit, per 15 U.S.C. 1681c ( a ) ( 4 ). 
XXXX. Unauthorized Transfer or Sale of Debt : I did not agree to any payment or authorize the transfer or sale of this account to another party. Reporting this account as Purchased by another lender without consent violates 15 U.S.C. 1692e of the FDCPA. 

Violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA : XXXX. 15 U.S.C. 1681e ( b ) : Failure to Ensure Maximum Possible Accuracy : Credit reporting agencies must ensure that the information they report is accurate and consistent. The discrepancies in account descriptions and comments violate this standard. 
XXXX. 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of Obsolete Information : Negative information, such as collections, must not be reported more than XXXX years from the date of first delinquency. 
XXXX. 15 U.S.C. 1681i ( a ) : Failure to Investigate Disputed Information : If you disputed the account and it remains unresolved or improperly updated, the credit bureaus may have failed to investigate properly. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Furnishing Inaccurate Information : The creditor or collection agency may have provided inaccurate or unverifiable information. 
XXXX. FDCPA ( 15 U.S.C. 1692e ) : False or Misleading Representations : Reporting this debt without proper verification or authorization from you to collect or transfer the debt may violate the FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX violated my rights. This account is involved in litigation. It has lingered on my credit report for over a year. I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists pursuant to 18 USC 8 I owe no debt This company is violating my consumer right to privacy pursuant to 15 USC 1681-B2 Company has no permission to report my information per 15 USC 1681-4