23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

They reported late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. I am pretty sure I was not late. I keep disputing this with them and the credit reporting agencies and I also sent them a hardship letter because I did belive I was delinquent at one point but I am not. I want them to show proof of all the delinquencies. THEY ALDO GAVE THE ACCOUNT AS CLOSED WHEN IT'S NOT!!!! THEY'RE REPORTING INACCURATE INFORMATION. WHICH IS ILLEGAL.
Product: Student loan

I have one loan with Sallie Mae for {$15000.00}. I had a forbearance due to Covid. Which I had to call numerous times to allow the forbearance to go through. I was given the run around. And the situation had to be escalated more than once until my account was adjusted. In XXXX I informed Sallie Mae that I was returning to school and what would I have to do to get an in school status. I was told that I would not have to do anything and my status would change once my session started. However I started getting billed. And I started receiving emails about past due amounts. I called and Sallie Mae kept saying they were waiting for my status to change. I then asked my school to fax confirmation I was in school. Which they did on XX/XX/XXXX. I called XX/XX/XXXX to see why my status had not changed. They told me to wait until XX/XX/XXXX and if its no change to call back. It is now the XXXX and Ive had to call again because now I am being threatened to have a negative payment on my credit report. I called and told them Ive submitted paperwork and that my status should have changed by now. I was initially talked over and told that the paperwork was invalid. It wasnt until I talked to a supervisor that I was told my paperwork was correct and it should change in a few days. It is frustrating and mentally draining to have to constantly call about the same issue while they take their time to help resolve issues.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recov Collection Agency has violated the code of ethics and they're also in violation of the FCRA. XX/XX/XXXX This agency appeared back on my credit reports after some time. The tactics they have been using should be illegal. They have been manipulating 2 different acct numbers to act as 4 different accounts with different dates and balances. They use acct # XXXX, acct # XXXX acct # XXXX and acct # XXXX. For the past 3 mths claim information has been fluctuating. Every time i dispute their claim a piece of information would change for their benefit. I contacted them via their website and they had 1 collection in my name it was the # XXXX acct and that acct didn't even mirror what was on my reports. They used 4 acct numbers to appear as 2 accts and wasn't even accurate with with important details on all reports. One time using the exact same acct #, the exact same date and exact same balance on my XXXX report and at times they used 2 different addresses at the same time. On XX/XX/XXXX. I told them they were violating the code of contact and violating the FCRA. They retaliated by making a ton of accounts using the same account number, making up claims, using the original collector 's ( XXXX XXXX ) name and logo and maliciously flagged my account with a public comment. All of those accounts they made up stayed on my credit for weeks until the investigation was over. I was denied credit because of them. I was approved for a XXXX XXXX card then a week later denied because of them. That collections agency hasn't contacted me one time since they claim they had debts owed by me but as soon as i said i was going to report them they stopped making false claims and they sent letters with REAL and FULL account numbers. As of right now they stil have different collections start dates than they originally had. I read XXXX XXXX 3rd party agreement and they are not following their wishes. They were supposed to contact me and help me settle my account, my account was to be charged off and to stau closed, they opened the accts back up without my knowledge and they wasn't suppose to use XXXX XXXX name to collect a debt. They knowingly made up fake accts just to hurt my credit. I had to purchase credit protection from XXXX to stop them.After what they've been doing to me, violating the code of ethics and me getting denied credit when i shouldn't have, I don't feel like i owe them anything.
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. XXXX 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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has stated that my accounts in question have been properly investigated and how is that possible if the theirs multiple errors attached below. 

This is grounds for removal and mo

netary relief immediately. My rights where violated under : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] A ) I must be respected and have the right to privacy. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] A ) Section 2 : It also states that a consumer reporting agency can not furnish an account with out my written instructions. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. 

Account Name XXXX XXXX XXXX Account Number XXXX Account charged off. {$5000.00} written off. {$5900.00} past due as of XX/XX/2022. 
account has no high balance XXXX XXXXXXXX Account Number XXXX Account has no high balance XXXX XXXX XXXXXXXX Account Number XXXX Date XXXX Status Account charged off. {$610.00} written off. {$610.00} past due as of XX/XX/2022. 


XXXXXXXX XXXX XXXX Account Number XXXX Wrong name wrong accont number A collection can not have a balance
Product: Student loan

My loans at the start of XXXX were with XXXX. I faxed a PSLF helptool to Mohela on XX/XX/XXXX and I signed up for IDR on XX/XX/XXXX. I have attached the applications for proof. The XXXX XXXX tax information was faxed to XXXX on XX/XX/XXXX because the IRS data retrieval tool wouldnt import my information. At that time I had not received any communication that my loans had moved to Mohela so the income verification was faxed to XXXX. I had not filed XXXX taxes at that time. 

When the loans got moved from XXXX to Mohela, the repayment plan did not change to the XXXX plan I chose, which is PAYE. I never got a letter indicating that my XXXX application was approved or denied. 

On XX/XX/XXXX I re-uploaded my completed IDR application and XXXX tax documents on Mohela 's website so they could see what was submitted to XXXX in XXXX. 

On XX/XX/XXXX I got communication from Mohela that I was being placed on administrative forbearance while my IDR application was being processed.. 

On XX/XX/XXXX I got a letter from Mohela saying my IDR application was denied because the request was incomplete, missing pages XXXX. It also said it was missing taxable income proof, which had been submitted again in XXXX with my IDR application from XXXX when the Dept of Ed never reviewed it for XXXX. I got no communication regarding whether my IDR application submitted in XXXX was approved or denied. So, I resubmitted all pages of the XXXX application and my XXXX tax form from XXXX ( because on XX/XX/XXXX we had not filed our XXXX taxes yet ) on XXXX site. 

On XX/XX/XXXX, I submitted an FSA complaint, and have yet to hear a response. I recently received a statement saying I owe over {$3000.00} on my student loan monthly payment and that Im on a level plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charge off that keeps reporting different amounts to each of the credit companies the account name if XXXX. I have disputed this account multiple times and nothing seems to be getting resolved and different amounts are still being reported on my credit file.
Product: Debt collection

Saw a debt on my XXXX Credit Report from XXXX LHR Inc stating that I owe {$760.00}. The number is a non-working number but according to the report it was apparently an account opened with XXXX in XXXX. I contacted XXXX and verified that I never opened an account with them in XXXX. It would also have been impossible to open an account with anyone at that time since I was in XXXX training without any access to any media/internet/phone etc. It also states that I am making payments on this account but I am making no such thing. I would like this taken off my credit report as it does not belong to me.
Product: Credit reporting or other personal consumer reports

I am filling in regards notification on my credit report. The accounts reported are inaccurate and is leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$130000.00} XXXX XXXX Balance Owed : {$0.00}-
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1 ) XXXXXXXX XXXX  - account # XXXX 2 ) XXXX XXXX XXXX XXXX - account # not listed but picture of account is attached for reference. 

3 ) XXXX XXXX XXXX XXXX -account # not listed but picture of account is attached for reference. 

4 XXXX XXXX XXXX  - account # XXXX 5 ) XXXX XXXX - account # XXXX 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 States a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1681C ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report with any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is selling access to information I did not opt into, nor authorize. Its providing scores on data I can not see and it does not have a reasonable way to download a copy of what they are reporting on me to other companies. Because I do not know what's in this file they are reporting to vendors, I can not dispute what is in it and I have been financially harmed. I can not get my legally required free annual report from the website the government help setup. HELP
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2 accounts paid full and closed in XXXX. two previous accounts opened paid in full and closed with the original company. these two accounts are still being reported by transunion on my record. Both accounts have met the 7yr requirement in accordance with the fair credit reporting act. Agency needs to delete accounts from consumer record or provide response on why record its waiting till 10yr mark when its not related to bankruptcy. 
XXXX XXXX current credit card balance and monthly payment are wrong, 60 day delinquency is also wrong. this information is affectively the consumer negatively when being evaluated for banking services XXXX XXXX, account was closed in XXXX paid in full/never late. account has met 7yr requirement to be deleted. agency needs to delete from consumer record or provide reason on why its waiting for 10yr mark when its not related to a bankruptcy XXXX XXXX XXXX XXXX no late payments, monthly payment is {$500.00}. never late XXXX XXXX XXXX. account paid in full and closed. account closed as of XXXX/XXXXXX/XX/XXXX. Consumer requests this record be deleted immediately from the record since 7yr requirement has been met. Agency needs to provide response on why record is waiting for 10yr mark when its unrelated to bankruptcy.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Several disputes have been sent in regarding my current mortgage history with none of them resolving the issue. There were no late payments in XX/XX/XXXX or XX/XX/XXXX and the agencies still continue to list inaccurate information. I need some assistance I have attached the page of my report reflecting such inaccurate data. After the loan re modification never was a late payment made
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I

had three inquiries that I did not approve. XXXX XXXX  Onemain Financial XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX I sent validation requests to several collections regarding medical debt that had been placed on my credit report. These are Expired, well over XXXX XXXX XXXX. I did not receive any response, so I submitted online request with EXPERIAN to validate these items. I did not receive a response. It is my understanding that per FCRA they are to respond within 30 days, it has now been over 60 days. Plus, with the new medical laws, starting XX/XX/2023 the medical collections that are under {$500.00} were to be removed. Ive attached a copy of the 4 items that need to be removed from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

According to federal law credit transactions and experiences are illegal and should be excluded from my credit report.the following account is reporting 31 late payments on my XXXX XXXX and experian reports and I have disputed this account 20plus times and XXXX mtr account # XXXX is violating my federally protected rights under 15 usc 1681 a 2 excusions and transactions shall not be reported.delete XXXX mtr account from all 3 credit bureaus immediately because it is seriously impacting my ability to obtain a vehicle and buy a home.also I did not give them written permission to report this account on my credit files.this account is reporting several inaccurate information 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.ive shown all of the inaccurate inconsistent incomplete information to experian XXXX and XXXX and the keep ( verifying this account through e XXXX and not doing an actual investigation.ive asked numerous times how they investigated this account and they keep dodging my requests.i want {$1000.00} for each violation on my report.please forward my check to XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX
Product: Debt collection

On XX/XX/2022 I received a notification from one of my credit monitoring services that there was a change. Upon review I noticed that that there was a derogatory mark from a Phoenix Financial Services in the amount of {$740.00}. 

Additional research shows this is a out of network provider charging me without my prior authorization and based on the no surprise law of XXXX  they are violating my rights.
Product: Checking or savings account

XXXX XXXX XXXX ID XXXX XXXX Iam writing to request a investigation of thefollowing accountsI have never opened or use the accounts listed below. XXXX requesting the following information to be deleted from my early warning consumer report immediately. I attached a copy of my report to this request. 

Contributor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # :