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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items Need Attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} Late/Closed XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX FIN XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late/Open XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX : {$240.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with XXXX/Transunion/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. XXXX XXXX XXXX ( a ) XXXX XXXX XXXX ( a ) XXXX XXXX XXXX ( a ) XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX Balance : {$34000.00}
Product: Student loan

Navient My loans were consolidated through this company in XXXX. For XXXX XXXX, I was not provided any information about repayment plans. I was told I could only put my loans in forbearance. I consolidated loans the amount of {$29000.00} and jow I owe {$88000.00}. 
I now am burdened with excessive interest payments. I received a {$230.00} payment from a lawsuit. That is insulting. This faulty debt has been on my credit report for XXXX XXXX. I can not purchase a car or a home. Navient recently sold my account to XXXX. I can not deal with the stress of dealing with another faulty lender, but I will find a way because I have to. I have dealt with Navients deceptive practices and I am paying for them financially. Navient should have to right their wrongs. 
I am asking for a break. A small win for the victim. Can Navient be removed from my credit report? I have a XXXX XXXX, but can not buy a car or a home because of the deceptive and misleading practices of my student loan servicer. 
Thats rich. 
Navient should not only provide its customers with a financial compensation, but they should also remove their inflated balances from the credit reports of the customers they lied to and cheated.
Product: Money transfer, virtual currency, or money service

It is becoming a consistent issue that I am having with linking XXXX to my bank account. There have been multiple times when I have tried to make a payment on XXXX and it tells me that they're unable to link to my bank, even after I enter in my password and verify my phone number.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS : XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

HOW ARE YOU? How r u during this pandemic? Listen, I continue to be surprised & shocked how your company continues to say that they verify this public record of bankruptcy. I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security Number. Upon ordering a copy of my credit report, I see an entry listing Bankruptcy pubic record. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file because i also received the letter from us bankruptcy court stating as such as you can see on the attachment. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. A Bankruptcy is a piece of public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom?
Product: Credit reporting or other personal consumer reports

I paid off my auto loan but USAa reported it latei was in a car accident and I was told not to pay it because it was going to be a pay out
Product: Credit card

An attempt to open an Indigo Mastercard in my name occurred on XX/XX/XXXXXXXX The hard inquiry was blocked on XX/XX/XXXX because credit reports are frozen for all 3 bureaus. 

They had my name, birthdate, social security number correct. I called the credit card company for Indigo Mastercard and reported the fraud XX/XX/XXXXXXXX They are investigating on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX DOB : XX/XX/XXXX S S N :  XXXX XXXX XXXX Date : XX/XX/XXXX Dear, Re : XXXX XXXX XXXX   XXXX, US DEPARTMENT OF EDU XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 
You received a notice of dispute from me resulting in you advising me that the account had been verified. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. In fact - after THREE letters to them they have STILL not responded which started over 90 days ago! 
The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 
The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 
Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE : XX/XX/XXXXCOMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX BANK DATE :XX/XX/XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXand XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX COMPANY :  XXXX DATE :XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Accounts reporting " Late Payment '' Accounts reporting " High Utilization '' Every consumer reporting agency shall maintain reasonable procedures to ensure accuracy to avoid violations per 15 USC 1681c IT IS A VIOLATION OF LAW TO REPORT TRANSACTION HISTORY!!

THE PRIVACY ACT OF 1974. 15 USC 1681n Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

15 USC 1681 Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 15 USC 6801 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

The Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''
Product: Credit card or prepaid card

Hello Dear CFPB I am writing to get assistance about my Apple Card by Goldman Sachs. I was customer with them since XX/XX/2019 and today i got email they are closing my account and the reason was : '' There was a failure to comply with the terms of the Customer Agreement ''. This is 100 % false statement and has nothing to do with facts and reality. In Past 3 years being customer with Apple Card by Goldman Sachs i never had any issues not single issues. Never been late or went over limit or return check or any shape or form abused the card / NOTHING. My XXXX Score is Flawless, My Annual income is above average US Cardholders and in fact just recently my Credit Card limit was increased by {$6000.00} from {$25.00} to {$31.00}. 

My main concern is that by closing this account it will show in my credit bureaus that it was closed by credit grantor and my other creditors will follow same route and will close all my other account by assuming i have done something wrong. Please assist me to review and reopen my account.
Product: Checking or savings account

The bank provided a resolution letter that is to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was supposed to be for them and then later this week another response from this bank which confused me about whether response is accuracy. XXXX response to the XXXX, saying, there is no differs between the resolution letter from XX/XX/year> - XX/XX/year>, with case XXXX  XXXX ( see at attachment ) and resolution letter to me, saying, " a business 's decision to end your deposit relationship and close your accounts ending in XXXX and XXXX '' means ( see at attachment )? Did I do anything wrong to close my bank accounts? I'm not sure I violated any rules/policy. Tell me why I have such good banking relationship with this bank and all of a sudden it got closed down or ending banking relationships with me on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full in 2016 but Wells Fargo refused to update my credit report reflecting this. I never closed this account as it states on credit report. This account should still be open and active and it should show that the account was paid in full and on time. Well fargo refuses to provide me with the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXXF XXXX to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION YOU ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting my account XXXX days late however it also states the balance is XXXX. My payment is XXXX so couldnt be XXXX days late. They have for XXXX months not posted my payments correctly and I am demanding this be corrected I should be having an up to date report. I should be listed as current and nothing past due. They need to update my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Equifax Accounts : 1. XXXX XXXX XXXX XXXX- needs to be removed it was processed and paid in full bur should not be on credit report because they had a glitch in their system that brought a current account in collection inappropiately. 
2. XXXX XXXX XXXX opened XX/XX/XXXX. it reported past due 90 days for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that was incorrect. never late was on a plan 3. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX late payment XX/XX/XXXX. payment never late. its incorrect. 
4XXXX XXXX  Opened XXXX, XXXX. This was not my account i wasnt sure if my x husband opened this. But not my account it needs to be removed. 
5. XXXX XXXX XXXX XXXX XXXX unsecured loan opened in XX/XX/XXXX. XXXX reported late XX/XX/XXXX, XXXX, and XX/XX/XXXX that is inccorect. payment never late. used a different draft so payment was never late. 
6. XXXX XXXX XXXX XXXX XXXX unsecured laon opened XX/XX/XXXX, XXXX reported late on XX/XX/XXXX. That is incorecct. never late. used different draft account. 
7. XXXX XXXX XXXX XXXX XXXX loan opened XX/XX/XXXX reported late XXXX that is incorrect. never late it is current they mentionoed hardship would cover current payment until XX/XX/XXXX and payment will be added to end of loan due to job loss. not deliquent. 
8. XXXX accounts : XXXX opened XX/XX/XXXX {$170.00}, balance {$190.00} not my account at all. XXXX opened XX/XX/XXXX {$150.00} not my account. XXXX {$44.00} opened XX/XX/XXXX not my account, XXXX {$120.00} XX/XX/XXXX not my account. These are not my accounts I have XXXX XXXX and all my hospital bills are current. 
9. XXXX accounts XXXX XXXX XXXX XXXX {$1200.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account not sure. 
10. XXXX account XXXX XXXX XXXX  {$800.00} opened XX/XX/XXXX, XXXX not my account believe my x opened this account as well. not really sure.
Product: Debt collection

Transworld System Inc formerly known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This company has stolen my information not once but twice and keeps harassing that I owe them money!! I have asked them to provide me with the original contract with my signature which they can't provide. They changed there name so that they can collect and steal money from people. I want them shut down and put out of business!! I also want to be paid for them putting something on my credit report that is not legit.