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

I reviewed my credit report on XX/XX/year>, and noticed inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, the account XXXX XXXX XXXXXXXX XXXX  # XXXX is not mine, is incomplete, and is inaccurate. 

On XX/XX/year>, I formally disputed this account on my credit report, requesting an investigation into the account XXXX XXXX XXXX XXXX  # XXXX. Despite this, the results of the investigation showed no modifications or updates to the account. It was not removed from my credit report, as it should have been. 

To support my claim, I filed an FTC Identity Theft Report and provided it to Experian, clearly demonstrating that this account was fraudulently opened without my consent. Even with this evidence of fraud, Experian failed to remove the account from my credit report. 

Experian is in clear violation of the following provisions of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] - Ensuring Maximum Possible Accuracy Experian failed to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the account XXXX XXXX XXXXXXXX XXXX  # XXXX. Despite clear evidence of fraud and my FTC report, Experian continues to report this fraudulent account, violating their duty to ensure accuracy. 
Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ] - Duty to Conduct a Reasonable Reinvestigation Experian did not conduct a reasonable reinvestigation of the account XXXX XXXX XXXX XXXX XXXX XXXXXXXX after I disputed its accuracy. The investigation resulted in no changes to the account, despite clear evidence of fraud provided in my FTC report. This failure to investigate thoroughly violates XXXX obligation under the FCRA. 
I request immediate action to remove the fraudulent account XXXX XXXX XXXX XXXX XXXX XXXXXXXX from my credit report to comply with the FCRA and restore accuracy to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX  # XXXX, XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX , XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX and XXXX reports, I discovered that LexisNexis has been for nearly a decade reporting the reference number, as XXXX, XXXX and XXXX. I also requested a copy of my Consumer Disclosure Report and this information did not correspond to that of the credit report. I have disputed this information, and ask that the information be validated, to no avail. This reporting has cost me thousands of dollars and extremely high interest rates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

I applied for a Chase XXXX credit card and it said that I was declined even though I have a XXXX credit score. It says i have a derogatory relationship with them but that is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For the past three weeks, I 've been getting bombarded with convenience checks offers from Citibank in the mail. I wrote one convenience check and I deposited into my bank account at XXXX. A couple of days later, the check was returned by Citibank citing that I exceeded my credit limit and I was charged {$15.00} returned check fee by XXXX. 
The marketing materials that Citibank sent, one a week, is very misleading. The marketing materials tell you what your overall credit limit is. Then they tell you in another part of the marketing materials what your available credit balance is, but in fine print are the charges and fees that are charged. 
In my opinion, the presentation of the cost of the fees is buried in the marketing material and is misleading. The marketing materials are misleading since the fee are not explained properly and is in very small print as opposed to your credit limit and available credit is in a larger font. I would like Citibank to reimburse my the {$15.00} returned check fee charged by XXXX via a statement credit on my Citi Double Cash credit card statement. In conclusion, I believe the marketing materials are misleading and I should be reimbursed the {$15.00} charged by XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor CYBR refuses to remove {$200.00} debt from credit reports after prematurely submitting me to collections. The attached documents show I was an active paying customer when my account was sent to collection in XX/XX/2019. The attach documents also show that I paid my six month contract in full at {$150.00} a month. The credit can be reached using the following contact information. I also attached where the debt was removed from my report and then reappeared. I have also put in complaints with both XXXX and XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX Or Contact XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Student loan

Performant Recovery XXXX Inc. has been collecting on my student debt from XXXX for over a year with a set amount of {$63.00} that is automatically taken out of my checking account each month. They have not taking out a payment since XX/XX/2016. So my complaint is that since they have not been taking any money out to pay on my debt it is not getting taken care of. My current amount that is left is {$3800.00}
Product: Checking or savings account

On XX/XX/year>, I provided a referral link to a family member so that that person could open up a new savings account with Marcus Goldman Sachs. As Marcus Goldman Sachs advertises on their websites and in their emails, when someone uses a referral link to open up a new account with them, both parties will receive a referral bonus once the account is fully open. While filling out the online application, through the specific referral link I provided, there was a point during which the person filling out the application was directed to call MGS to complete the online application process. We called Marcus Goldman Sachs together to complete the application process and confirmed with the representative with whom we spoke that this new account was opened through my referral link. The representative confirmed. After the end of the month came and went, we called MGS together, as neither of us had received any deposits into our account for the promised " bonus ''. When we called, we were told that there had been a mistake, we were owed the referral bonus, and that this would be corrected. A week went by, and no funds were deposited into either of our accounts. We called again together ( as both parties need to be identified and the cases reviewed simultaneously each call involved both myself and the person I was referring as a new client ), and brief apologies were made, and we were told again that this would be corrected. At this point, we have called back now over 10 times, spoken with numerous employees and the requested " supervisors '' who likely are just other employees posing as someone in management ; almost three full months have now passed, and no further developments have been made on our case ( s ). For the inconvenience, we were told that {$25.00} would be deposited into each of our savings accounts while the issue was being resolved. We have not received that deposit either. We believe that the referral bonus program is a scam. I have been a client of Marcus Goldman Sachs for almost 10 years and have never felt less valued, less appreciated nor respected than in this situation that could have likely been easily and quickly remedied well before reaching this point. I would never recommend Marcus to anyone for any reason and truly believe they do not value their clients and have been frauding people in the same way I have been deceived and without my referral -- yet they have a new client because of me ( but not for long ). Please beware.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful noncompliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Product: Credit reporting or other personal consumer reports

XXXX is listing a {$150.00} balance from Credit Collection Services. 

I paid that balance in XXXX, and CCS told me they reported it as paid on XX/XX/XXXX. 

This item should not be reappearing on my credit report. It cost me XXXX XX/XX/XXXX on myXX/XX/XXXXscore and Id like to get that corrected.
Product: Debt collection

XXXX.25- received a call from XXXX to my cell and XXXX to work. I called back the XXXX and was connected with a XXXX. She proceeded to ask if I was XXXX and I affirmed. She stated that she was calling on behalf of a loan I took out with XXXX. I asked where she was from and she stated Structured Settlement and they also work with an attorney 's office. She stated before she contacted my employer they were calling to try and work out something with me. I proceeded to tell her she no longer has access to contact my employer and she said that it will continue until I take care of the collections. I informed her she was violating a federal regulation and she stated " allegedly ''. I asked her to send information to me and she said she would email a document to my email and proceeded to hang up on me before I was able to verify what email and when. This is not ok and completely against my rights as a consumer. She did not read me my rights and did not comply with what I was asking.
Product: Credit reporting or other personal consumer reports

I am writing in response to the previous communication regarding the inaccurate information on my ChexSystems record. They failed to address the substance of my dispute and the supporting evidence I provided. To reiterate, the adverse information in my record stems from fraudulent activity that occurred when my phone was lost in 2022, as documented in the enclosed police report ( XXXX XXXX. XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The fraudulent activity was flagged, the funds were never deposited, and I was not involved in or responsible for the incident. 
The continued presence of this inaccurate information on my ChexSystems record is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain only accurate, fair, and verifiable information. This situation has caused significant harm to my financial reputation and access to essential banking services.
Product: Debt collection

A call was recieved concerning collecting a debt on behalf of cashnetusa. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of Cashnet. 

I was told I had XXXX hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact infoXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute certain personal information appearing on my credit report maintained by your bureau.

Upon reviewing my credit report, I noticed discrepancies in the personal information section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 
Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report. ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify.I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of 5 my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past 6 months. 15 USC 6802 Obligations were to respect to disclose of personal information XXXX XXXX opt out. A financial institution may not disclose non public personal information to a non public affiliate or third party. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS BEEN REPORTING A ACCOUNT WITH XXXX  AUTO AS A REPO WHICH IS INACCURATE. THIS WAS REPORTED ON XX/XX/2020 BUT NO ACTIONS HAS BEEN TAKEN TO REMOVE. 
ALSO A ACCOUNT WITH CREDIT COLLECTION SERV IS BEING REPORTED AGAINST ME AND THATS NOT MY ACCOUNT. THESES ARE VIOLATIONS OF THE FCRA AND I WILL BE SEEKING LITIGATION IF THE TWO ITEMS ARE NOT DELETED IMMEDIATELY. IVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMISSION IN REFERENCEC TO THE MATTER.
Product: Credit reporting or other personal consumer reports

I have recently gotten an apartment. My XXXX score vantage XXXX XXXX is XXXX ; and I have my other documents with the individual ones. XXXX and Transunion are reporting it XX/XX/year> as XXXX ; which is absolutely absurd and XX/XX/year> at XXXX. I have called them XXXX different times ; XXXX hang ups ; and multiple disputes and emails with no resolve or care. this is highly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Im a victim of identity theft and someone has opened accounts in my name with very little info and I'm having a hard time getting this stuff removed.
Product: Student loan

I consolidated and have been paying my federal student loans to qualify for PSLF since XXXX of XXXX. With the payments I have made until now XX/XX/XXXX, I should qualify for loan forgiveness. I have been calling FedLoan servicing for many years to keep track of my payments and have requested inquiries regarding nonqualifying payments they have on record. I placed an official request for review XX/XX/XXXX while speaking with XXXX ID XXXX. I called again XX/XX/XXXX and received the same list of nonqualifying payments from XXXX XXXX. They said it was still under review. I requested my payment history to be sent to me, but they said they can not release it to me as it is under review. I am concerned that I will lose any hope of getting these records when FedLoan stops servicing student loans XX/XX/XXXX. 
Below is a list of payments they say are nonqualifying. 

Non qualifying payment XX/XX/XXXX to XX/XX/XXXX - 3 non qualifying payments because they say they dont have record of payment from Direct loans XXXX, XXXX to XX/XX/XXXX - 5 non qualifying payments because of a deferment/forbearance. I have no idea why I was placed on forebearance? 
XXXX, XXXX - 1 non qualifying payment for forbearance XXXX, XX/XX/XXXX I resigned my fellowship because of workplace harassment and was not employed full time for 2 months, but I continued to pay my IBR payment. 
XXXX, XXXX I was put on deferment when I switched from XXXX to Fedloans for qualify for PSLF. 
XX/XX/XXXX I had two week break between graduating fellowship and starting my new job. Payment was charged on XX/XX/XXXX and FedLoan said it didnt qualify.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive carefully reviewed your correspondence and want to let you know my response. 


The reason I asked you to supply a copy of the check or online payment is due to the fact that you stated in your correspondence dated XXXX XXXX that a payment of {$100.00} was received on XXXX XXXX but however you tell XXXX and Experian that you received payment on XX/XX/18 how is this so.? Therefore I will need whatever payment method that you received on the XXXX. 
In your last paragraph in your letter and I do want you to review your response Word for Word as to why XXXX XXXX XXXX does not determine the reporting timeframe you are the burnisher arent you? What a bunch of XXXX. That is exactly why XXXX removed it from there report and I suggest you remove it from XXXX and XXXX and XXXX XXXX XXXX you will respond to this complaint or else Sustain legal action youre reporting is reckless dangerous and incorrect I demand you to remove it XXXX you need to remove it XXXX you need to remove it because youre a violation of the FCRA I request a update credit report with the deletion nothing else! 3 XXXX bureaus reporting different information from XXXX XXXX of a credit how the XXXX this happens??
Product: Mortgage

Refinance home in XX/XX/2018 and pending escrow overpayments from previous mortgage lender. Payments released in 2 payments per lender, but larger payment in amount {$520.00} continues to be withheld by lender for no valid reason. I have made multiple calls regarding payment and advised each time that payment should be received in 7-10 business days. Calls made beginning XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Still being informed by agents that check will be issued I will receive in 7-10 business days.