23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I received documentation from FedLoan Servicing regarding the amount of qualifying payments I had made in my Public Service Loan Forgiveness Program. The estimated eligibility dates listed were different from the documentation I received on XX/XX/XXXX. The number of qualifying payments were also incorrectly credited to two of my loans. I have contacted FedLoan Servicing multiple times since XX/XX/XXXX and they have not corrected the estimated eligibility dates and/or number of qualifying payments. 

After receiving documentation on XX/XX/XXXX with again differing eligibility dates and incorrectly reported qualifying payments, I felt this was the next logical step to have my issue resolved. 

Please be aware that I did file a complaint to the CFPB in XXXX, which resulted in FedLoan Servicing reporting an inconsistency that I detected between XXXX and XXXX stemmed from a new software program which was implemented to track the number of PSLF-qualifying payments.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department and all other credit bureaus and reporting companies, I am writing to formally dispute inaccurate and fraudulent information on my credit report, which I believe is a result of identity theft. Specifically, I have discovered that the Social Security number XXXX, which does not belong to me, has been erroneously linked to my credit profile. This has led to the inclusion of several unauthorized accounts and inquiries in my credit report. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Status : Account charged off. {$14000.00} written off. {$15000.00} past due as of XX/XX/XXXX. 
Balance : {$15000.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$350.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : {$4900.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX XXXX 
Original Creditor : XXXX XXXX XXXX Balance : {$200.00} ( as of XX/XX/XXXX ) XXXX XXXX XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX {$1100.00} Unauthorized Hard Inquiries : XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Section 605B of the FCRA specifically provides protections for identity theft victims, allowing them to block fraudulent information resulting from identity theft from appearing on their credit reports. Additionally, Section 623 ( a ) ( 6 ) requires furnishers of information to not report information they know or have reasonable cause to believe is inaccurate. 
IDENTITYTHEFT.GOV The inclusion of another individual 's Social Security number and the resulting accounts and inquiries on my credit report constitute violations of the FCRA. I request that Experian take the following actions : Immediate Removal : Delete all accounts and inquiries associated with the Social Security number XXXX from my credit report. 
Correction of Personal Information : Ensure that only my correct Social Security number is linked to my credit profile.

Fraud Alert Placement : Place an extended fraud alert on my credit file to prevent further fraudulent activities. 
I have enclosed a copy of my government-issued identification and proof of residence to verify my identity. Additionally, I have included a copy of the identity theft report I filed with the appropriate authorities. 

Please investigate this matter promptly and provide me with written confirmation of the removal of the fraudulent information. I appreciate your attention to this urgent issue. 

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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have spent over 6 months trying to simply cancel an Experian credit reporting service. They have NO way to do it online, or even options to call them. I had to XXXX the hidden email and phone line to get the proper places to request the cancellation of the monthly approximate {$40.00} fee. I sent a request to cancel by email about 4 months ago with no response. Calling the XXXX number puts you into pre-recorded options does not allow you to reach a representative or cancellation option. I consider this service to be predatory in how they manage this.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX Card : # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Vehicle loan or lease

This creditor is reporting a paid and closed account with a XXXX  balance as an open account paid satisfactory with a balance of {$19000.00} on my credit report. I called them to inform them and they had the audacity to tell me to send them my credit report to prove this so they can dispute it or Id have to give them permission to do a hard inquiry on my report to see that they are reporting this wrong. I refused both options of course because that makes no sense. In fact all Pen Fed has to do is report the account paid and closed with a XXXX  balance especially when they show the account was paid in full and closed on XX/XX/2018. Its that simple. Credit bureaus only report what creditors send them not what they want as its a violation of consumer protection laws just like the company here is in violation for reporting inaccurate information in an effort to discredit my credibility with others. If they dont stop reporting this account as open with a balance I ask that it be reported to the FTC and they be charged for the violation. Theres no reason for me to send them anything as my business as far as this loan goes is done with them. I have kept up my end so they need to govern themselves accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit from XXXX that they have mislabeled as from XXXX I have evidence that I can provide showing that I purchased the car in XXXX and that's when the account was opened so it should be off my credit report and also that the balance that they're saying is incorrect.
Product: Money transfer, virtual currency, or money service

I wired XXXX to Coinbase through XXXX on XX/XX/XXXX. After quickly realizing that my recipient number was not included when I wired it ( no option on my online banking account with XXXX ) I filed a support ticket and called them. After being disconnected several times, I was finally connected after 2 hrs on hold. The CS rep told me that my money would be rejected by coinbase within 3-5 days and be returned to my account. I then called my bank and they said that after coinbase rejects it, it should show up after 10 business days. After 10 business days, I did not receive anything, and no one responded to my support message. I tried calling again around mid XX/XX/XXXX. This time, they said they " escalated '' my case and it would be worked on as soon as possible. It is now XX/XX/XXXX and I have not heard a single word from them. Please help me get my money back from these thieves!!!!
Product: Checking or savings account

Didn't recieve my payday deposit since thursday and haven't recieve a reasonable explanation on why and an ETA on when the problem will be solved. The company " Capital One '' has refused to talk to customer on the problem but instead keeps giving excuse and lies on when it will be fixed " which is supposed to be friday morning ''. It's very concerning and people are starting to have doubts about capital one keeping our money safe. OUR LIVES ARE ON THE LINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 Balance : {$12000.00}. Please update ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : 1. AM HONDA FIN XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX acct # see attachment The Credit reporting agencies and Best Buy are claiming I have late payments and it is affecting my credit score and damaging my creditability. They are reporting 2 miss payments when I know i made those payments and have the statements from both of my banks to prove it. 

I reported this with the company and they reported it to the bureaus. please see attachments
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my XXXX credit report on XX/XX/2024 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SYNCB/SAMS for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contact XXXX and transunion regarding these false unauthorized inquiries to be removed. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act ( FCRA ) Experian has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter I have contact this Experian on several occasions regarding inaccuracies on my credit report, no remedy has been performed on my behalf, this has affected my ability to obtain credit i have attached a few denial letter as proof the creditors contact experian to confirm my credit status and was denied based on that credit profile. 

I have attached all documents and evidence of inaccuracies and the transunion report which does not reflect any of these errors
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

I was granted a COVID-19 3 MONTH DEFERMENT ON MY XXXX  XXXX XXXX XXXX XXXX XXXX  AND NOW I AM SEEING IT AS A CHARGE OFF AND I CAN NOT GET ONLINE OR ACCESS THE ACCOUNT AND THEY WILL NOT TELL ME ANYTHING NOR HELP ME AND I HAVE NEVER BEEN LATE BEFORE!!!! HELP!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached documents I have never authorized OneMain to conduct a credit inquiry on my credit report. I have sent letters to OneMain demanding validity of their conduct per FCRA regulation but they have refused to act in accordance with the law. 

OneMain continues to send the same response ( changing just the date of receipt ) and blatantly ignoring the requested information per FCRA XXXX ( a ) ( XXXX ) ( A ) and FCRA XXXX ( c ).
Product: Checking or savings account

I was told about a reclamation on my account, but was not provided with supporting legal documents. Over six weeks of this process and still no results. My account was depleted to zero balance. My social security is my only source of income-I am retired.
Product: Debt collection

On XX/XX/2020 at approximately XXXXXXXX XXXX. representative XXXX of fox Collection Center, answer the phone from XXXX XXXX and stated he was on a recorded line. I attempted to explain that I had received a letter in the mail and was trying to find out what was going on, XXXX asked me to verify the last four of my social security number. 

I was confused as to why he was asking me that and when I attempted to speak further into the matter, XXXX of Fox Collection Center threatened that if I did not tell him the last four of my social security number he was going to terminate the call. 

Making threats to Consumers to get personal financial information if they don't answer questions is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning inaccurate negative reporting on my Experian credit report for a credit builder account I had with XXXX XXXX XXXX. This account is reflecting that my account was 90 days late as of XX/XX/XXXX for a balance of {$12.00}. 

In XX/XX/XXXX, I opened a credit builder account with XXXX. As of today, XX/XX/XXXX, this account is negatively affecting my credit for a balance that I do not owe. My original credit limit with XXXX was {$12.00} when I opened my credit builder account in XX/XX/XXXX. I never used this credit limit to make purchases with XXXX, or any other institution. I do not owe a balance to XXXX that I never used. 

I have attempted to dispute this account with XXXX XXXX XXXX and Experian and have reached no resolution with either company.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 
This ground for removal they also violated my rights under 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 ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation