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

On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and Experian pertaining to a credit card with XXXX XXXX XXXX acct # XXXX for the date of last activity, payment history, status * and the dispute was returned verified. After some further investigation on my part, I am also concerned that these accounts may not belong to me, and/or the reporting to XXXX, Experian and XXXX may be inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/XXXX ), this Notice includes Identification of the specific information being disputed XXXX, Experian and XXXX  reporting for Acct Number : acct # XXXX The basis for the dispute : For Payment Status XXXX is reporting Charge-off, XXXX is Reporting Charged off as bad Debt, while Experian is reporting Unpaid balance reported as a loss by credit grantor. For Worst Delinquency XXXX is reporting Bad debt/collection, XXXX is showing Not Reported, and Experian is reporting Charge off/Other Derog. On XXXX Acct # XXXX status is closed, but reports payment history with a 90+ Days Late only on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no dates were reported on XXXX. Also, for the Close Date XXXX  is reporting XX/XX/XXXX as a close date while XXXX and Experian are not reporting a close date at all. For Date of Last Activity, XXXX is reporting XX/XX/XXXX ; However, XXXX is reporting XX/XX/XXXX and Experian reported as Not reported and closed as charged-off without a date of last activity. Also, for Terms XXXX and XXXX are not reporting while Experian is reporting Revolving. Lastly, for High Balance XXXX and Experian are not reporting anything while XXXX  is reporting a high balance of {$450.00}. I have sent them excerpts of my credit reports showing how these accounts are reporting
Product: Student loan

My loan was held by Navient I am a XXXX and have work in the field for 19 years. over this time I have attempted to access federal loan forgiveness and I feel I was miss led and not given the opportunities that i should have. I have made several attempts specifically asking for Loan forgiveness under the XXXX field and time and again i was sent other paperwork or told that what I was asking about did not exist. I was encouraged to put my loans on forbearance and i feel I have paid undue interest due to the Guidance of Navient. I have since moved my loans out of Navient to attempt to save money and get correct repayment structure
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , we filed a complaint with th e Consumer Protection Agency  against   XXXX   XXXX  . The  CPA  took the case and got involve d ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting fo r over two ye  ars that our payment was late and were charging us late fees. We thank the CPA  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX  's  XXXX   XXXX ,  XXXX  letter they state that they are going to contact Equifax and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan wi th    XXXX   XXXX   XXXX   XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.
Product: Credit reporting or other personal consumer reports

After my last dispute requesting documentation of verification of the public record on my credit report the response I received was the public record was verified by the address listed/filed on the bankruptcy along with social security number and date of birth from national reporting agencys. This is not sufficient. The public record must be verified by the original furnisher, XXXX XXXX XXXX. The public record is not verifiable and the credit reporting agency knows this which is why they are trying to verify by going around the furnisher and looking for other sources. I know this because I received a letter from the clerks office at the XXXX XXXX XXXX stating they do not verify for credit bureaus. If documentation showing that this public record was verified by the furnisher can not be provided by this credit agency who insist that they verified the public record it must be deleted. 

Attached is a letter from the bankruptcy court.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I called on the XXXX of XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

I have filed multiple disputes with this company about continuing to report as a factoring company and an open account on my credit report. Portfolio Recovery Associates ( PRA ) is in violation of the Fair Credit Reporting Act ( FCRA ). The collection has been paid since XX/XX/2016 and they have yet to report the account as closed. I will continue to seek action until something is done about it.
Product: Debt collection

In my XXXX and XXXX  credit report, both had reports from First Federal Credit Control for {$85.00} owed. First Federal Credit Control also listed on the credit reports the same amount of {$85.00} with two different account numbers XXXX and XXXX. Double dipping on credit reporting. First Federal Credit Control never sent me notification of the debt for me to be able to review and dispute if necessary. I was just lucky to be viewing my credit reports for different reasons and happened to see the First Federal Credit Control reports.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : XXXX, XXXX XXXX XXXX, US DEPT OF EDXXXX : XXXX, US DEPT OF EDXXXX : XXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

I recently moved from XXXX XXXX to XXXX this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but XXXX XXXX and Experian did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus XXXX XXXX and Experian with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.
Product: Credit card or prepaid card

For the second month in a row, on XX/XX/XXXX, Bank of America has cancelled my online payments for two of my credit cards right before the XXXX XXXX XXXX and right before my payments were due. This time I caught it in time before they could charge me a late fee and interest, which they did the previous month. They have been randomly engaging in this behavior I believe to generate additional fees and interest. I have tried to address this on XX/XX/XXXX with their 1-800 number but only to get endless run around, I also visited the XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this, only to have the Assistant Manager accused me of wrongdoing.
Product: Debt collection

Capital One sent a response, but didnt mention the account Im complaining about and mentioned accounts not even on my current report. That correspondence is attached, along with my police report and ftc affidavits. My XXXX  XXXX complaint is also attached.
Product: Debt collection

I have blocked multiple phone numbers that this company has called me from. I have received over 7 calls in one day from this company. I have repeatedly asked to be put on a do not call list. they call and say nothing and then hang up on me. I call them and when I ask them to stop contacting me they intentionally hang up on me before I can say put me on the do not call list. 

these tactics are illegal and a violation of my rights and I will be seeking legal action if the contact does not cease.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to dispute and request the removal of inaccurate and fraudulent information from my credit reports, as well as to address the ongoing false claims made by collection agencies. The following addresses and accounts were created in fraud, and I have legal documentation to support my claims. 

Fraudulent Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA Fraudulent Accounts : LVNV FUNDING LLC XXXX {$2400.00} - Went to court** Legal proceedings related to Case Docket XXXX File No XXXX, XXXX, PA Court . I won in court, proving I never lived at the address. The person who stole my identity used a fraudulent internet account for payments and credit increases. 
LVNV FUNDING LLC XXXX {$1200.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$440.00} - XXXX XXXX* LVNV FUNDING LLC XXXX {$920.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$1600.00} - No Data** Court Case Reference : Case Docket : XXXX File No : XXXX Location : XXXX, PA Court I have attached the necessary court documents proving my innocence and the fraudulent nature of these accounts and addresses. XXXX has failed to remove the address XXXX XXXX XXXX XXXX, XXXX, PA, and I request its immediate removal. 

Moreover, I have disputed the collection claims through the collection company and the credit bureaus, and the information has not been removed. This false reporting is holding my credit hostage. 

If the collection agencies choose not to remove these false reports, I demand that the cases be moved to arbitration. THE collection agencies need to initiate an arbitration proceeding with XXXX or XXXX I do not want my case made public, as I have already been through one case publicly for something I am not at fault for, and the experience was degrading. 

I expect your prompt attention and cooperation in resolving these matters. Please confirm in writing the removal of specified accounts and addresses and provide guidance on initiating arbitration proceedings. 

Thank you for your immediate attention to these serious matters.
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 : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX 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 reporting or other personal consumer reports

To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Notice, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and address that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I am asking that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD AND THEY HAVE ALL BEEN LEGALLY NOTARIZED TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX
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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit card or prepaid card

Ok I've had a NetSpend card for awhile. When ever a charge I didn't authorize show up. It took weeks to months to get my money refunded to me, which brought on some battles. Happened again XXXX. We're arguing back and forth about getting my money back sooner on something that wasn't my doing. Talked to like 4 people before I got a little testy. I no sooner got one put back on my card. From XXXX, that night at almost midnight got hit again by a go fund me acct for XXXX. So I complained right the while I was still on the phone with NS. SHE WAS trying to get me to call back and dispute that one in a week. I said no it's pending, stop it now. Of course that couldn't be done. So had waited 20+ days and the fight was on again. So yesterday the XXXX, I was asleep it was before XXXX. And my phone starts dinging and going off. 6 yes 6 more charges were coming off my card still. Long story longer I then get a text they suspect fraud on my car and locked the acct and stopped my card. What little money I still had on my card for frozen too. So I'm broke can't get it off the card now. The person then informs me they mail me another card take 10 days, then we'll open me another acct after I get it. I said dude it was directly deposited to you guys and that acct. That you just froze and locked So where the XXXX is my money going to be deposited now. He tried saying to let them know when I get the check and they LL grab another card. I said really, how am I going to pay rent with no cars e and no clue where my money is going. So not having another account to put said money, I don't even know if there's enough time to get one open and try to figure out where it will be deposited, seeing how I have less than a week to do all of this hoping to catch idk who to catch my check in time. Or they can mail the check back and couple be lost for weeks. I didn't ask them to close that account without giving me time to get anything left off my card. I'm so done with them. I don't know what I should be doing they've got me, crying cuz I'm stuck don't know who to call nothing
Product: Debt collection

Hello I am trying to resolve a problem with a debt agency, for the past 2 months Ive continually and consistently asked the company I owe, the debt collector, and the parent company of the debt agency to get answers but have not gotten any correspondence from anybody. I never received an original bill only that I owed debt. I am stumped and need help, this is not only unfair but unprofessional from all companies involved. Please contact me as soon as possible
Product: Mortgage

I made a payment on the companies website one prior to my account being 30 days delinquent. I received to confirmation email with the date and time the payment was make and the date that it would credit to my account, the next business day. The company reported me 30-days delinquent although I made the payment prior to the 30th day delinquent.
Product: Vehicle loan or lease

I checked my credit and saw a balance remaining for a used XXXX that I voluntarily returned to the dealership due to a defective charging port. The dealership repaired the vehicle and sold it which should have covered the remaining balance. I am homeless and have been XXXX for the last 9 months. I was just XXXX  and I can not get approved for any second chance apartments due to this debt. I am below poverty line and will never be able to afford to the pay the balance reported of {$32000.00}. I have been unable to secure employment due to society not giving individuals with a XXXX  background a chance.