23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint about how XXXX stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. XXXX did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party LexisNexis. The information purchased by XXXX from LexisNexis has redactions that are required under Federal Privacy laws. LexisNexis is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. LexisNexis then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, LexisNexis and XXXX have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that LexisNexis and XXXX  be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an outstanding balance of {$390.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that couldn't be completed due to a malfunctioning machine. Despite spending four hours troubleshooting, the XXXX  remained non-functional. I've made several attempts to dispute this charge with the hospital, but they haven't returned my calls or provided a resolution. Eventually, the debt was forwarded to a State collection agency, with whom I worked to resolve the issue. However, I recently received a letter from Controlled Credit Corporation regarding the same debt, which was supposedly resolved months ago. Unfortunately, I no longer have the specific dates or contact information as I discarded them after the initial resolution. I strongly believe this debt is invalid because no services were actually provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For over a year there have been multiple increases in interest rates without notice. As of XX/XX/XXXX my interest was 16.49 %. By XX/XX/XXXX interest rate was 17.99 %. No notice was sent. I have never received any notice for any interest rate increase ever ; as there have been many more increases that I am finding in my records. I have contacted them requesting they lower my interest rate a week ago ( Mid XX/XX/XXXX ) and they did not honor my request. 
My current rate is 20.99 % with Chase freedom unlimited rewards card. 
Chase ( Card Services ) XXXX XXXX XXXX, XXXX, DE XXXX
Product: Debt collection

Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. I do not nor have I ever had any contact with this collection agency. Nor have I gotten any for of communication from them in regards to reporting negative information on my credit report to XXXX XXXX. This information that has been reported is in violation of the Fair Credit Reporting Act laws. At this point no communication is warranted the damage has been done. I would like for them to validate any contracts they have along with payments and amounts due pertaining to the alleged debt. If validation can not be proved I demand the negative reporting be removed from XXXX XXXX immediately. If validation is found I have the right to have all findings mailed to me with 15 days of the findings and demand 30 days to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recieved my credit reports, and there was 3 accounts listed, as derogative, with no creditor information listed, who do i owe, who do i dispute this with???? I wrote the credit bureau, EQUIFAX, XXXX, XXXX, and asked them to delete this information, and they refused, it's still showing on my credit reports. I am appalled, how these credit agency XXXX the american, public. Put something negative information, on my report, without ANY documentaion, as to who is behind this. How do i dispute this, or sue them, and i don't know who the XXXX they are. Dead entitys, XXXX  real live flesh and blood, human beings? How does this government allow, this to happen, can anyone please help me??
Product: Mortgage

I am a XXXX Veteran with a rating of XXXX  % and I live in Florida. My current Mortgage Company Freedom Mortgage, waited for 7 months prior to conducting the Escrow Analysis. Once the Analysis was completed Freedom Mortgage decided to absorbed my refund instead of returning my refund to me. As of XX/XX/2020 the refund amount owed was {$1500.00}. I called Freedom Mortgage repeatedly about the matter.
Product: Debt collection

They call back to back 3 times. They have called me multiple times in a 7 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX I started working with an individual to assist on my behalf of A few accounts that are errors on my credit report. It has been almost 10 months and still the same results. These are all errors XXXX XXXX XXXX {$550.00} XXXX, XXXX XXXX XXXX XXXX {$850.00} XXXX, XXXX, Experian XXXX XXXX XXXXXXXX {$470.00} Experian
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Reporting on Fingerhut/Webbank Account Dear Equifax , I am writing to formally dispute an inaccurate entry on my credit report. According to my report, the XXXX account listed below shows incorrect information regarding the account 's payment history and charge-off status. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Charge-Off Amount : {$670.00} The issue lies in the following points : XXXX. Payment History : The report indicates that I was XXXX days late on multiple occasions from XX/XX/XXXX to XX/XX/XXXX. However, the account shows no data after XX/XX/XXXX, and the " charge-off '' status is not accompanied by proper late payment history for the months that followed. There are significant gaps in the reporting, particularly the absence of any updates postXXXX XXXX, which is inconsistent with the timeline of events. 
XXXX. Account Status : The account is listed as a charge-off with a balance of {$670.00}, but there is no indication or documentation of the charge-off process having been properly followed according to credit reporting standards. The lack of reporting post-XXXX  XXXX suggests incomplete or inaccurate reporting of the account 's lifecycle, further supporting my dispute. 
Given these inaccuracies, I request that the Fingerhut/Webbank account be thoroughly reviewed and deleted from my credit report in accordance with the Fair Credit Reporting Act. 
Thank you for your immediate attention to this matter. Please confirm in writing once the necessary deletion has been made. I have disputed this account before with no resolution. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the information listed below on my credit report is a result of that Identity theft : Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00} XXXX XXXX  XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX  Account Number : XXXX Balance : {$32000.00} Account Name : XXXX  XXXX Account Number : XXXX Balance : {$20000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$57000.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$25000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2900.00} In accordance with section 605B of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request. 

Thank you for your prompt attention to this urgent matter.
Product: Debt collection

I checked my XXXX report and noticed that I was being penalized for owing a debt that did not belong to me. The representative from XXXX informed me that the debt was in the name of a " XXXX XXXX '' and my name is XXXX XXXX. They told me that I could dispute the claim and that they would get in touch with Ability Recovery Services , LLC to correct the issue. I also called ARS and gave them my name, DOB and Social Security number and they informed that there were no debts that I owed them. They also told me that the " XXXX XXXX '' did not have a birth date nor social security number on file. I received an email from XXXX today saying that ARS replied to my dispute and stated that there was no error and that I owed them money. I am struggling to understand how it is ethical to ruin someone 's credit report when there is no bill with my name, DOB or social security anywhere in their records but they report to XXXX that I owe them money with absolutely no proof.
Product: Debt collection

I initially paid off a secured loan with Covington Credit TN, and a few weeks later received a letter stating if he wanted to borrow another {$500.00}, just cash the check at a bank and it would constitute a loan. I did so. I then got into some financial problems and was unable to make payments on the loan and fell 2mo behind. A man from Covington Credit showed up at our house at XXXX on the XXXX of XXXX ( my ex wife and I had gone walking from XXXX that day because we have no vehicle ), never told us his name ( and revealed information to my ex wife - she was outside with me when talking to him- and she was not included as a person they could talk to ) and told me I had til XXXX on the XXXX to come up with {$80.00}. I told the man I had no money til the XXXX when I get paid ( I get XXXX ). I offered to pay {$100.00} when I get paid. The man then told me if I do not pay the money by XXXX on the XXXX, I will be brought up on charges of fraud, reported as having an extra income to the SS department, and have my wages garnished. The man also questioned if that was us walking on the road this morning - which made us scared for quite awhile afterward because of the suggestion they are stalking us - we both suffer from XXXX a lot of issues in both of us. We had no food in the house at the time so we had been walking to the soup kitchen but were now afraid to do that. ( XXXX of our neighbors saw this though not sure how much he heard. ) The next day we noticed a white pickup sitting across the street from our house from XXXX ( it may be a coincidence I do n't know ). On the XXXX we received a mail - with mybname on it - stating they would take my belongings away if no payment ( for an unsecured loan ). We tried to report this on the XXXX but the cops said they had a right to do all these things. On XXXX XXXX we came home from paying our rent and utilities and buying food and found a letter placed on the outside of the door ( no tape ) with my name on the outside and all the information about his debt, the fact I owed on it and the collector 's information. Anybody could have taken that letter or looked in it while we were gone. On the XXXX of XXXX, we called to report someone at the door that was banging violently ( when we finally looked, it was the same man from Covington Credit ), again he left a note in the door. The neighbor ( different neighbor from before ) saw it happen and the way the man was knocking upset him too. Cops never showed up though they did call back a couple times to check on us. 

This is the Covington Credit located at XXXX, TN XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Charge-Off Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a charge-off entry that appears on my credit report. According to XXXX XXXX. XXXX of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. If the information can not be verified within a reasonable time frame, it must be removed. 

The charge-off in question does not accurately reflect my credit history or the status of the account. I am requesting that you investigate and, if necessary, remove this charge-off entry from my credit report unless proper verification is provided. 

Under XXXX XXXX. XXXX, credit reporting agencies are required to investigate any disputed information within 30 days and to provide written confirmation of the results of the investigation. If the information is found to be inaccurate or incomplete, it must be corrected or removed. The presence of this charge-off on my credit report is damaging to my creditworthiness and violates my rights under federal law. 

Please investigate this matter and remove the charge-off entry from my credit report if it can not be properly verified. I request a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX Procedure in Case of Disputed Accuracy This section of the Fair Credit Reporting Act ( FCRA ) outlines the procedures for disputing inaccurate information on a credit report. It states : When a consumer disputes information on their credit report, the XXXX XXXX XXXX must investigate the dispute within 30 days. 
The agency must promptly notify the consumer of the results of the investigation. 
If the information is found to be inaccurate or incomplete, it must be corrected or removed from the consumers report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : NELNETXXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not responsible for 3 credit cards on my credit report because of identity theft. The accounts are XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. I have filed a FTC identity theft report. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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 information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Nelnet has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, Nelnet continues to unlawfully demand payment and misreport the status of the loan, violating XXXX XXXX. XXXX, XXXX XXXX. XXXX ( a ) ( XXXX ), and XXXX XXXX. XXXX ( b ) ( XXXX ). 

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating XXXX XXXX. XXXX, XXXX, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

Nelnet has failed to act in good faith as a fiduciary under XXXX XXXX. XXXX and IRS XXXX XXXX and has violated XXXX XXXX. XXXX, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under XXXX XXXX. XXXX and is a direct violation of XXXX XXXX XXXX, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.
Product: Money transfer, virtual currency, or money service

Wells Fargo retirement acct transfer to XXXX in XX/XX/2020. 
I retired at that time and they deducted over {$2000.00}. for the transfer. 
I tried to talk to them and they couldnt support their rationale for such a XXXX  against my retirement monies! 
But I couldnt get them to make it right!! 
Please help since obviously they have practices that are very sketchy! 

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

On  XXXX   XXXX ,2017 I applied for a credit card in   XXXX   branch the lady pull my credit report and even showed me my score.   Later I got alerts about inquiries on my Transunion report.   Upon logging in there was  XXXX  inquiries from  XXXX  on  XXXX   XXXX ,2017 within minutes.   I called Transunion and explained them that I saw the  XXXX  employee pull my credit once and that why would they need  XXXX  duplicate reports on the same day.   Transunion representative said there was nothing he could do to call  XXXX  so they could request to delete the inquiries.   I then call  XXXX  that explained to me they only have record of  XXXX  credit inquire under my name so there is no way they could ask Transunion to remove the other  XXXX  that do n't exist on their system.   They also explained to me that sometimes Transunion has glitches were duplicate inquiries.